vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I lived in the XXXX XXXX in XXXX, Ohio for around 2 years and enjoyed it very much but communication with management was always difficult. In XXXX   of XXXX i decided to move out because i was only going to be attending the University of XXXX XXXX until the middle of XX/XX/XXXX and didn't need to sign another year lease at XXXX. I contact management and continued to move out paying my final dues. I then finished school and moved back home by XX/XX/XXXX. On XX/XX/XXXX i received a collection on my report for {$130.00} from National Credit Systems. I called and came to figure out it was for utilities in the apartment. At this point I've been moved out of the apartment for going on two and a half months and was never contacted or informed i owed on these utilities. I honestly thought the utilities would be turned off shortly after i moved out. So over time i have been thinking the best way to handle this without hurting my report. I have no problem paying the collection in full, but i am most worried about having this derogatory mark on my report. My goal here is to get the collection removed from my report so i can continue my journey in good credit and business endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The whole Wells Fargo system is down and there is no way to get money out of my account. Debit cards are being declined, tellers cant access the system. There is literally no way for me to get access to the funds in my bank account. This is the first time in my life that this has happened and now I am going to have to keep an emergency fee outside my bank. Very scary.

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 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, I XXXX XXXX attest that I do not owe any money for a medical services rendered at XXXX XXXX XXXX hospital. I am enclosing receipts of payments made to XXXX XXXX hospital. Based on aforementioned federal statues I'm asking this company XXXX XXXX XXXX to immediately cease and desist and correct my credit report with all credit bureaus. I am requesting that this company be fined for being negligent in their reporting of a debt that is not owed. if my credit is not fixed within 5 business days, this company should be reported to the department of justice for fraud and harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo had a problem which caused their system to go down. First I was told it was a system update this morning and that it would be fixed in two hours. I told the representative I had no money and that I was stranded. She assured me it would be fixed shortly. When I called back two hours later I was told the system shut down and they had no idea when I would have access to my money. The representatives showed no empathy and basically acted like that didn't care. I understand the system being down is not there fault. However there is no excuse for XXXX XXXX service and rude representatives. They have inconvenienced millions of people yet they have no compassion for those they serve. XXXX XXXX was the only person who showed that he cared and he did everything he could to help me. The rest were rude

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. 

Please Help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

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 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

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 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX or XX/XX/2019, I opened a Schwab Bank and Schwab One account. Schwab had requested additional details such as a proof of address and identification to complete the opening of the account. 

The client data verification department of Schwab had successfully verified my details approximately the end of XX/XX/XXXX. Approximately a day later, my online access to Schwab was blocked and suspended due to 'security reasons '. 

Calls to Schwab had indicated a fraud flag, and multiple calls ( over 8 ) to Schwab went unanswered as the representative was told that the fraud department does not speak with the client directly. 

After a week, on XX/XX/2019, another call was placed, and a Schwab representative informed me that the account was closed without notice by the fraud department. 

Unfortunately, the lack of communication and reasoning by Schwab is ludicrous, as well as the multiple phone calls and communication attempts that were needed to gain even a single piece of 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
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: AZ

Complaint narrative:
Pulte mortgage is the company I received a loan for a new home at the XXXX XXXX community at XXXX Arizona. 
we received a home warranty for 2 years on this loan purchase. we informed Pulte 2 times that our upstairs bathroom shower was leaking into the garage. the first time they sent someone who was not a plumber and he told us nothing was wrong. then it happened again and caused even more damage, and a visible crack showed up after continued use. the 2nd time they sent a plumber but they refused to honor the warranty on the home. 
we paid for a warranty through our mortgage and this company is refusing to honor this warranty. this is not the first time something was not honored. we had to repeatedly complain until they fixed : 2 concrete cinder block fences that were falling down, 3 leaks in the kitchen sink which caused damage because they didn't install the sink correctly. 3 AC complaints because the AC wasn't installed correctly, and blinds that broke off from window because it was not installed correctly. 
Pulte got its money and a 8 month old home is not being fixed due to their negligent building process.

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 2019-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MB FINANCIAL, INC.
State: NY

Complaint narrative:
Mb Financial has been contacting me on my delinquent mortgage payments since XX/XX/XXXX. I had received call several times and asked to speak to someone to lower my payments and pay off amount due. I was told can not do and have to fill out Hardship Package. I had to wait 7-10 business days to get. I received around XX/XX/XXXX. I needed to provide tax forms, month pay stubs, fill out the package and send it back. I sent out package about XX/XX/XXXX. It took several days to receive. I was told by XXXX that my account would be looked over and that i would be contacted. No phone calls were made to me. I waited 5 days. I called back. I was then told that it was incomplete and that 3 pages didn't get retrieved. I reprinted the paperwork, and emailed to XXXX default at Mb financial on the XXXX of XXXX. I was marked completed when i called back by XXXX again. She told me i had to wait 2 more weeks for a judgement. It was then sent to XXXXXXXX XXXX XXXX XXXXXXXX lawyer 's office to assess fines and fees. I am simply trying to pay the amount. I asked for a statement and was told i have to wait 2 more weeks to get the email by XXXX. I was then told to call Mb financial for help. I called them they told me that it was out to the Lawyers office again. I just want to resolve, get amount. Pay and lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: FL

Complaint narrative:
Made a balance transfer to credit card at a 0 % APR until XX/XX/2020. The credit card was used to make a purchase, and the amount of that purchase was paid at the end of that month. However, ever since I made a purchase and paid it off. The credit card company charges me interest every month. I called the credit card company to ask why am I being charged interest on purchases I have not made. I was told that this is what happens if I use the card, I will be charged interest on purchases, until I pay the whole balance transfer off first ; the purchases go on the back end and will accrue interest. Ultimately, I find their practice to be deceptive.

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 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
I was a student at XXXX XXXX University ( XXXX ) while I was stationed at XXXX XXXX, Maryland in XXXX. I was using the XXXX Tuition Assistance ( TA ) program at the time to pay for my classes. During my first semester, I received a Failure for Incomplete ( FI ), because I participated in mandatory XXXX training and was unable to take the final exams. Because of this failure, the XXXX recouped the TA money it spent on my courses. The money was taken out of my pay over a 12-month period, ending in XXXX. 

Since XXXX, XXXX has been attempting to collect the debt, totaling {$2200.00}. Every year, I get a collection notice, and every year I refute their collection attempt with actual documentation from the XXXX Education system, showing that the money was recouped by the XXXX. Upon sending them this information, I do not hear anything back regarding any changes in my account. 

However, every tax season, I receive another notification of an attempt to collect. The company attempting to collect on behalf of XXXX this year is : Synergetic Communications, Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX They are the same company that tried to collect in XXXX and XXXX. Ive sent the documentation showing that I paid the debt in full to both XXXX and Synergetic. Neither entity acknowledges the information Ive provided, yet they continue to harass me for repayment. I should NOT have to repay them if the money was already taken from my XXXX XXXX pay between XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I begin paying back a {$22000.00} student loan in XX/XX/XXXX. I paid 75 months of {$140.00} ( total {$11000.00} ) ; 47 months at {$71.00} ( total {$3400.00} ) ; 24 months of {$100.00} ( total {$2500.00} ) ; and one payment of {$300.00} for a total of {$17000.00} to SallieMae/Navient. The interest is suppose to be 4.875 %. Over the past 13 years I have never missed any payments and pay on time monthly through direct debit. On this day XX/XX/XXXX, I still owe {$16000.00} on a {$22000.00} loan that I have paid {$17000.00}. Only {$6000.00} of the {$17000.00} that I have paid has gone to the principle and {$11000.00} has gone to the interest. How is this legal and ethical. I am XXXX years old and will go to my grave before this is ever paid off. I have looked at my current payment plan ( all I can afford ) and The payment will triple in XX/XX/XXXX and be paid off in XX/XX/XXXX with a grand total of {$35000.00} being paid back for a {$22000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have a conventional mortgage on my home in XXXX XXXX, Maryland. The mortgage initially was serviced by XXXX XXXX XXXX, but effective XX/XX/XXXX, XXXX XXXX XXXX began servicing the mortgage. My account number is XXXX. 
XXXX  XXXX XXXX  is now XXXX. 

In XXXX, I prepaid in full real estate taxes of {$510000.00} that were going to be due in XXXX to XXXX XXXX, Maryland. Nevertheless, a monthly amount was placed by the mortgage servicing company in escrow during XXXX to cover those taxes. 

On XX/XX/XXXX, XXXX  XXXX XXXX  notified me that it had received a refund check from XXXX XXXX, Maryland for the XXXX taxes I had prepaid. It said the refund was due to my overpayment of my real estate taxes. XXXX XXXX XXXX  said it would pay this surplus to me " when your mortgage account goes through the next schedule annual analysis. '' However, by the middle of XXXX, I had not received the refund of {$5100.00}. I called XXXX XXXX XXXX in XXXX to ask about the refund. The representative told me that the next review for Maryland accounts would be conducted shortly, and that I would receive half the refund in XXXX and half in XXXX. 

I did not receive any refund in XXXX or by XXXX, XXXX. I called XXXX  XXXX XXXX in XXXX and asked about the refund. The representative told me that the next review of Maryland accounts would be conducted in XXXX and that I would receive the refund later in XXXX or XXXX. 

I did not receive any refund in XXXX. I called XXXX to complain. A representative told me that the review for Maryland accounts would be conducted in XXXX, and that I would receive the refund in XXXX. 

To date, I have receive no refund. My three telephone calls supposedly were recorded, so XXXX has a record of my complaints. I am convinced this is a scam by XXXX to hold on and use my money for as long as possible, depriving me of the refund and the interest I could have earned on it. I doubt I am the only consumer affected by this scam. 

I ask you to investigate and compel XXXX to pay my my refund of {$5100.00} with interest back to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: IN

Complaint narrative:
In XXXX i was granted a student loan and was paying on until i fell into a financial problem everytime i call to try to make payments nobody returns my calls.my taxes have been taken by salli mae since XXXX and they put my account at default.ive been trying since XXXX to amke payments to get it out of default and they are telling me i cant make payments but yet keep taking my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from transunion to dig further into why I may have  not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from TransUnion on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.

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 2019-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I separated from the XXXX in XX/XX/2016 and because of this was unable to afford the house anymore plus we were relocating to a different state. We tried to pursue a deed in lieu of foreclosure with Wells Fargo due to issues with the Realty company we hired to sell the house not selling it. They set up the information and deadlines for information they needed and informed me if I do not meet deadlines we would have to start again from the beginning. I would email them and call with information they need, only to not be able to reach them at all and then deadlines expiring. Then I would hear from them only to inform me I had to start from the beginning. Starting from the beginning they would always enter some type of vital information incorrectly as well causing further missed deadlines. This predatory practice went on for months until I hired a law firm and this is when direct communication with Wells Fargo went smoothly. I then released the Law firm from working on the case, but I figured it would be fine because Wells Fargo was communicating with me directly at this point. This is when Wells Fargo stopped all contact with me again purposely to miss deadline to extend the timeline and gather more late fees. This would be a constant theme with Wells Fargo because they did not want the deed in Lieu of Foreclosure, they wanted the house to foreclose.

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