vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
I purchased my condo in XXXX, GA in XX/XX/2017, mortgage processed by XXXX XXXX XXXX but sold immediately to Guild Mortgage Co who is also serving the loan and handling the escrow account. 

My monthly escrow payment amount has been approx {$210.00} to {$220.00} for the last 24 months. I just received a notification that my escrow will now be {$760.00}!!! 

My taxes went up by {$2400.00} in one year, so I have a negative escrow balance of {$1700.00} which I offered to pay in full but have been advised by Guild that I can not do so. Also, they NOW are requiring I deposit an additional {$2000.00} into the account. This feels like extortion! 

My payments were {$1200.00} and now will be {$1700.00}. I can NOT afford this and as a result could lose my home!! AND If I do qualify to refinance my loan to a new mortgage company I will end up paying in excess of {$3000.00} in processing fees!! 

FURTHER, my home was appraised at $ XXXX and I put down enough to get the loan balance under 80 % of the appraised value, but because I purchased my home at $ XXXX Guild refused to waive PMI at the cost to me of over {$46.00} per month. 

This seem criminal to me and I can NOT be alone with this problem. XXXX PLEASE INVESTIGATE. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Wrongful Foreclosure : Mr. Cooper foreclosure on XXXX XXXX home located at XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 
Ms. XXXX filed Bankruptcy Case # XXXX on XX/XX/XXXX ( Exhibit A ) Ms.   XXXX was informed by Mr. Cooper and confirmed that the foreclosure sale date scheduled for XXXX XXXX, was stopped due to the filing Chapter XXXX Bankruptcy on XXXX XXXX. ( Exhibit B ) On XX/XX/XXXX a representative from XXXX XXXX XXXX spoke to Mr. Cooper loss mitigation to check on the status of the loan : Called the lender. XXXX called Lender ( XXXX ) XXXX. I spoke with XXXX and XXXX in the foreclosure department. He said that the home sold on XX/XX/XXXX. I told him that we have a letter from them stating the the sale was postponed due to bankruptcy. XXXX then said he would transfer me the Bk dept. 

Spoke XXXX in the Bk dept. She also said that the home sold on XX/XX/XXXX. I mentioned the letter but she said she could not do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: WI

Complaint narrative:
Received call from ERC in Minnesota at XXXX at XXXX XXXX on XX/XX/2019. Individual 's  name was XXXX XXXX (? ). Asked me to verify my address. I told him I would not verify my address until I understood why he was calling. He asked me again with a threatening tone, and I refused again, and repeated this until he asked me if " I was scared to give out my address - it was public information '', at which point I hung up. I called the main ERC number and was able to resolve the issue and find out with what company I owed the debt ( XXXX XXXX  ) and for how much {$26.00}. XXXX 's behavior was extremely inappropriate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
first of all LVNV FUNDING LLC CURRENT CREDITOR. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX I WAS SENT SEVERAL LETTERS FROM XXXX XXXX. THIS DEBT HAS NOT BEEN PROPERLY VALIDATED AS I SENT SEVERAL CERTIFIED MAIL AND A RETURN RECEIPT FOR THE DEBT TO BE VALIDATED. THIS COLLECTION AGENCY CONTINUES TO SEND ME A DEBT LETTER ON A REGULAR BASIS. I DISPUTED THE DEBT AND ASKED FOR A VALIDATION OF THE DEBT.

LVNV FUNDING HAVE REPORTED THIS DEBT TO XXXX  AND THE OTHER CREDIT BUREAUS. THE LETTER ARE REPORTING THE WRONG ORIGINAL DATE.

I UPLOADED SEVERAL PROFF OF CERTIFIED MAIL AND RETURN RECEIPTS AND MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX ID : XXXX its been over 180 and my funds are not released.I have {$480.00} balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My Funds has been Held for 180 days. Please Adjust my account so Funds can be Withdrawn. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 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: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM SELF EMPLOYED AS XXXX XXXX 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 2019-01-09 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: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: OH

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX  XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ASG Solutions LLC
State: OH

Complaint narrative:
They called my phone number repeatedly. I did not identify myself as the debtor and they threaten me by saying Im going to be in hot water if I dont deliver a message. And that they will file charges against me being a third-party. I called them back to try and figure out who they are since I am a debt collector by trade. They refused to give me the address when I asked and refused to identify themselves three times I finally called back a fourth time was able to obtain the address. And they call from a fictitious number - that is very similar to mine where I live however they are located in XXXX XXXX New York. They call the company name ASG, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint # XXXX-XXXX This complaint was submitted and Wells Fargo responded after requesting additional time. The response was the same as usual ; " we reviewed, the applicant does not meet our program guidelines '' without ever describing the specific program guidelines, income required or any thing else that would give me the opportunity to say, here, I can do that. 

In XX/XX/XXXX there was yet another report ( XXXX ) about a Wells-Fargo foreclosure nightmare. A couple went to Wells for assistance since Wells " wants to help you stay in your home '' and in their words " begged for help '' because the primary breadwinner had been laid off from his XXXX job. Wells did not accept their requests - ( plural ) for a mortgage modification. Years later, ( last fall ) they found out that they were the VICTIMS of an " apparent software glitch '' that caused them to lose their home. After all of the heartache they were paid {$15000.00} by Wells, without any explanation as to how the bank came up with that number, to " make things right ''. How could things possibly be made right? I am trying to avoid that same fate. 
Wells has NOT explained their " proprietary step program '', the calculations they used or what would be needed from me for me to qualify for a modification. They instead, have decided that they can make more money on my home, that I have lived in for 27 years because of something called Net Present Value. What does it matter to them if I want to pay until I die? How is Net Present Value a demonstration that they want to " help me stay in my home ''? 
I called the CFPB. I was told that the bank has to fully explain not just " that '' I don't qualify but provide, in detail, an explanation, that I can understand and calculate myself. Wouldn't that be the way to " assist '' me? Truly help me to " save '' my home? 
I am demanding full disclosure by Wells-Fargo. I am demanding full explanation and presentation of the actual calculations Wells used to make the determinations on my numerous requests for modification. My current income qualifies me for a pretty substantial mortgage. It defies logic that I would NOT qualify for a modification. 
Once foreclosure has occurred it's TOO late for Wells-Fargo to " make things right ''. Once a family is uprooted, life is completely disrupted, it's too late. This has been such a LOOONG process. I believe that Wells has engaged in deliberate tactics from back in the beginning ( XX/XX/XXXX ) when I first started this, to delay and harass and run up the arrears and fees just to make it impossible for me and others like me to recover.

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 2019-01-09 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
These two items Barclays and XXXX XXXX is on my credit report but I have never opened up an account with Them I tried explaining that to them on several occasions but yet and still they have not produced any evidence that this is my account. Beside yelling at me over the phone by their associates. I would like this removed off my credit reports as this is not my accounts. 

Thanks. 

Ms. 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 2019-01-09 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:
I called Transunion explaining how I was one of the victims of their inquiry issue last year. The agent immediately denied my claim after I explained these accounts were none of my doing and she declared them as " fact ''. After being denied to speak to a supervisor on the issue, I asked again to look into my files and to have these negatives items removed from my credit report and was declined to state that she wouldn't do so. All these inquiries appeared on my report XX/XX/2018. 

The inquiries are : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LAW OFFICE OF JOHN E. LINDNER P.A.
State: MD

Complaint narrative:
I was sued from XXXX XXXX hospital for not paying a medical bill. The hospital sent my accounts to a debt collection law office called John E. Lindner Law Offices in XXXX, MD. I received a notification from their office with two options to settle this dispute. One was to appear in court or make payment arrangements to avoid from going to court. In XX/XX/2018 I called and spoke to Mrs. XXXX from John E. Lindner Law Offices in XXXX, MD to receive an update on the balance I owe and it was {$2000.00}. I spoke with Mrs. XXXX about all three accounts in XX/XX/2018 to receive the balance of what I owe again. She told me the total balance for all three accounts are still {$2000.00}. I asked her if I can receive a statement because I believe the amount never moved since XX/XX/2018. She assured me that she would send me a statement in the mail and I never received it. I called her again XX/XX/2018 to settle a dispute because the payments for two of the accounts stop posting to my credit card being that we had an agreement for monthly payments to be charged to my credit card. So we settled a payment plan for both accounts for the next 8 months. I asked her about the balance again and she said it still is {$2000.00} which I find that hard to believe because I made several payments since then. I am not sure what to do at this point since they haven't mailed me a statement and I am not sure if the payments are going only to interest or towards interest and the bill. If it is only going to interest, what are you charging because that it a substantial amount to charge for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Collector said I owed a debt from XX/XX/2013 that does not ring a bell. I said sorry I can't pay. Im Not working and having financial problems. They keep harassing family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
They call multiple times a day, leaving threats about the debt owed. They say legal action will be taken. They have even called my parents several times and told them about the debt which is not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to prove my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX Account REF #  XXXX, Original Balance {$7000.00}, Date Opened XXXXXX/XX/XXXX am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.

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 2019-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
B of A is stonewalling on sending release of lien on my property following final payoff. I want details on who they contacted and to have someone assigned to expedite return of bank lien release document. I may go to the media if necessary. Thirty day period has elapsed.

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 2019-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XX/XX/2019 I received a call from Navient at XXXX speaking with XXXX . I advised of already making payment arrangement to which she seemed confused by. I received another phone call at XXXX to which I shouldnt as I have already put in to have the owed amount drafted out. The company has repeatedly called numbers not listed as a form of contact. This is very disturbing and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX XXXX Account REF # XXXX, XX/XX/XXXX ( 6 yrs., 9 months ), Term 300 months, Highest Balance {$7000.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.

Company response to consumer: Closed with explanation