vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have reached out to Wells Fargo ( debit collector ) on several occasions regarding my Lien Holders name and phone number. Wells Fargo gave me the name of XXXX XXXX, however did not provide a phone number. Wells Fargo stated, they have no phone number. I need this information to obtain the documents from the Lien Holder.

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 2019-03-04 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: NJ

Complaint narrative:
Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/XXXX. Within a week XXXX XXXX and Experian came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/XXXX. XXXX processed the request and removed the account two days later. XXXX XXXX and Experian did not. I spoke to representatives of both companies on XX/XX/XXXX who told me that they never received the update from the collection agency and to file another dispute. I did so and again Experian refused to update my account. I spoke to an Experian representative on XX/XX/XXXX who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/XXXX who confirmed that they did indeed send the update to Experian and XXXX XXXX and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.

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 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My bank statement for the monthly mortgage payment includes a {$10.00} fee. The fee is described as " overdue payments, fees, and charges. I called the bank several times to ask why I am being charged that amount every month but they do not give me an explanation and do not delete the fee. My mortgage payment is done via automatic transfers from my bank so the payments are never late. Every time I called for clarification I get transfer from one employee to another but with no result or explanation of what that {$10.00} fee is for. 

I would appreciate any assistance you can provide me on this matter. Thanks

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 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Repeatedly tried to resolve with Suntrust and based on what I am hearing from others, Suntrust does this frequently and should be investigated. They are refusing to even do a holdback for whatever work they think is needed, and are holding hostage all of the settlement money I received from the insurance company. Suntrust has NEVER sent over a list of what items they deemed needed to be fixed. I had their evaluator out who told me she was going to put the work done on the house at 80 % as they usually payout at 80 % -- -which is why she chose 80. I chose to have my roof replaced even though the repair had already been made months before when Suntrust sent the first person out to inspect ( who didn't see anything that needed to be fixed aside from the roof tiles being put back on that we took off for the repair ). I have since had it replaced, and were just waiting for tiles. Anything else is cosmetic and does not have to be repaired. Suntrust instead arbitrarily===just for my loan changed their 80 % to 90 % so they can hold on to all the money. A brand new roof does not cost {$57000.00} so there is zero justification for holding on to ALL of the funds in any logical framework. They can't justify holding back that much except as for RETALIATION for the complaints I have made -- -when their own adjustor said they pay out some funds at 80 %. This is retaliatory and not justified when my home is worth at least {$450000.00} and I owe them {$130000.00}. Please get them to justify holding back {$57000.00}!!! No roof costs that much for the size of my house. Again, they have never said what repairs they need made!

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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In reference to complaint number XXXX where i was not able to open the attachment. I finally did get to the attachment and opened it but it was a duplicate response of another complaint and did not address the tactics of calls being received on my cell phone number XXXX so it did not address the problem at all. The response again was a duplicate to this complaint number XXXX and i am not satisfied due to issue not ever being addressed about receiving calls to my cell phone number which is not allowed. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A guy XXXX continues to call at my work, from number : ( XXXX ) XXXX-XXXX, this is a fraud account and need to stop calling at my work office. 

He calls my number at : ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: KS

Complaint narrative:
XXXX XXXX is showing I owe over {$400.00} for an account that was paid off to via XXXX XXXX. I disputed this on my XXXX  account as it should not be on my credit record. I also confirmed via XXXX did receive payment in full & checks all cleared the bank. XXXX didn't investigate at all. They took amcols word that I owed the money even after I told them I paid it in full to via XXXX. XXXX from amcol was still trying to collect payment & i told her they need to call their client via XXXX becausenit was paid in full. It should not even be on my credit report. I'm having no luck with people wanting to do their job & have this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Credit Karma, LLC
State: NJ

Complaint narrative:
I have asked for further consideration regarding an increase in my credit score, but as a result I have been retaliated against and my credit scores have gone down over XXXX points. Please notate that photo of a " XXXX '' thumbs up! This photo issued by the credit reporting agency shows discrimination and I am not certain what my next course of action will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2014 I tried to have my credit report freeze with Experian temporarily lifted so I could get a credit increase on my credit card with XXXX XXXX. I repeatedly and tenaciously attempted to do this both online and via telephone. The Experian website offered me a P.I.N. that I could give to my bank to temporarily unlock my credit report, but my bank told me that they could not use a P.I.N., and that I should call Experian for assistance. 

Contacting Experian has been time consuming, frustrating, miserable, fruitless and IMPOSSIBLE! Experian is wasting my time, depriving me of the credit that I deserve, and XXXX me off. The government ought to put Experian out of business tomorrow morning. 

First I had to go on a treasure hunt for a telephone number to contact Experian, because a telephone number is either very well hidden or else nonexistent on the Experian website. I used several telephone numbers that I found on the internet and called them to no avail. Each Experian number I called required me to wade through seemingly endless voice prompts, starting with " For English, press 1 '' which is to accommodate, at my expense, mind you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I finally was finished growing older and older and older and older while wading through computerized voice prompts, the end result for each of the several telephone numbers that I called REPEATEDLY was a recorded message telling me that Experian could not assist me, or words to that effect, along with a monotone apology and a suggestion that I " try again later '', followed by disconnection. This happened every single time! If it is impossible to get help from an Experian computer over the telephone, FORGET ABOUT EVER SPEAKING TO A HUMAN! Not gon na happen!

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was compromised and so I froze my credit report on all three bureaus. I am a XXXX and using a service to do XXXX background check and the XXXX system relies on Experian 's data. I temporarily unfroze my credit report to be able to use the XXXX XXXX  XXXX  system. When the system tries to validate my identity, at least half the questions do not relate to any recent transactions that I have done ( e.g. where did you buy pet insurance recently? ). As a result, I've been locked out the system. I've tried two separate days thinking the incident was just a fluke since I see nothing on my Experian credit report that is unknown to me ( including a review of all hard inquiries ). I tried calling Experian through XXXX and XXXX to inform them that something was wrong and have been unable to get anyone on the phone. For someone with compromised identity and a valid pin number issued by Experian, I'd like to be able to talk to a human being as I don't know if this was an internal system error ( e.g. my file being crossed with someone else 's ) or if someone had used my personal information for other purposes than the account recently discovered.

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 2019-03-04 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: VA

Complaint narrative:
Due to XXXX XXXX XXXX refusal to investigate an unauthorized transaction on my account, I paid balance due and requested that my credit card account be closed. 
I was assured my credit card is closed with {$0.00} and e-mail was sent on the day of closing, with a letter received a week later ( XX/XX/XXXX or thereabouts ). 
I opened a dispute with Equifax as XXXX XXXX XXXX refused to update my credit card as closed and falsely listed account as open with a balance. 
On XX/XX/2019, nearly 2 weeks after my credit report should have reported account closing, XXXX XXXX falsely certified to Equifax that my account is still open. 

I also called XXXX XXXXXXXX and spoke to representatives on XX/XX/XXXX. The representative I spoke with affirmed he could see my credit bureau dispute. And representative insisted XXXX XXXX  XXXX is under no obligation to update my credit report till the company wants to update it. I recorded phone call and it can be provided on cfpbs demand. 
I attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A company identitying themselves as " portfolio recovery associates '' has repeatedly contacted my mother asking her how to get in contact with me. She lives in another state and has a different last name, they have contacted her 23 times in one week and made threats of legal action against her. I made contact with this company at the number XXXX XXXX XXXX on the morning of XX/XX/19 and identified myself and requested they stop contacting family members and was told " we can call anyone we want ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have received XXXX ( XXXX ) telephone calls within the space of a week or so! They constitute harassment. These despite the fact I have been making payments on time!

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 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effectiveXX/XX/XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules.

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Business Corporation
State: AL

Complaint narrative:
I was contacted in XX/XX/XXXX to collect on a loan originally with XXXX XXXX XXXX. Held as security on said loan was a car that we were riding in when in an accident XX/XX/XXXX. Insurance adjusters deemed the car a total loss.XXXX charged off the balance in XXXX, we were not aware there was a balance remaining after insurance issued payment to XXXX. We received a phone call in XX/XX/XXXX from XXXX XXXX XXXX stating we owed a balance to XXXX  regarding vehicle totaled in XXXX. We made payment arrangements and began repayment on XX/XX/XXXX of {$150.00}. Same amount was paid on or around the XXXX of the month through XX/XX/XXXX. At this time we were in the process of selling our current home and buying a new one and found out that our credit score significantly dropped. It was determined that XXXX XXXX XXXX had transferred our account to XXXX XXXX XXXX. Our credit report revealed that the transfer occurred in XX/XX/XXXX ; however, we had continued to make payments to XXXX XXXX XXXX through XXXX. We were not notified in writing of the new company servicing the debt and the balance did not reflect payments made XXXX - XXXX. We contacted XXXX XXXX immediately to explain the situation and make arrangements to pay the amount in full to improve our credit score so that we could proceed with our new home purchase. To date, our balance has not been adjusted to reflect payments made from XX/XX/XXXX - XX/XX/XXXX despite the fact that proof of payments has been provided. Our credit report still reflects balances owed to both collections agencies, reporting as a duplicate item further impacting our credit score. It is our wish through this dispute to correct the amount owed and obtain a payoff amount so that we can pay the account in full and be assured that this debt will be settled. It is also our request that our credit reports be updated and our credit score adjusted to reflect the payoff as quickly as possible so that our home purchase is not affected.

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 2019-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
After 10 years of payments toward the unyielding principal of the enclosed loan, it is only through its ballooning payments in XXXX that we realized, we were the victims of the predatory lending that drove our original lender ( primary and equity loans ) XXXX into bankruptcy. 
After a flurry of sale and transfer activity ( XXXX to XXXX XXXX XXXX XXXX XXXX  to XXXX to XXXX ) in XXXX, we had HUD adjustments and interest relief ( offered and initiated by the mortgage holder ) toward our primary mortgage. However, the equity loan was sold to 21st Mortgage and remained unchanged, untill XXXX and their demand for more than four times the amount, of monthly payment. 
With his job loss in XXXX, my husband chose the security and peace of mind, of paying off our primary mortgage with the majority of his 401K savings as he struggled to regain employment. At this ongoing, most financially difficult period of our lives, the enclosed documents will show the threat to our most profound need, our shelter, our home. 
I would appreciate any and all assistance you can provide, in correcting this unjust, remnant of predatory lending that allowed the lenders to walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This was the original citibank offer which I signed up for : -- -- -- -- -- -- -- -- -- - Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days You can also get an extra {$100.00} on the {$400.00} bonus when you complete one qualifying direct deposit each month for two consecutive months within 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I call citibank after I opened checkin/savings acct. The bonus time period has completed, but Citibank is stating that it might take few months to resolve the 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