vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Purchased home in XX/XX/XXXX for $ XXXX. We put down approximately $ 47k,  leaving us with a loan of $ XXXX, {$2800.00} a month. In, XX/XX/XXXX I fell sick and was diagnosis with XXXX XXXX XXXX XXXXXXXX ( XXXX ), ( XXXX XXXX ). This cause me to go out on temporary State XXXX, which at time my income dropped sufficiently ( 65 % of my regular income ) ultimately causing me to fall behind on my mortgage. I support my wife & our XXXXY old son. After multiple attempts with Wells Fargo & Keep Your Home California both have continued to deny my attempts for mortgage assistance. In XX/XX/XXXX I was forced to return to work full-time in an attempt to avoid foreclosure, even though I still must maintain XXXX XXXX every other day ( 4-hour XXXX ). I am sending what I can afford when I can afford. I am XXXXY old  with XXXX & trying everything I can possibly do to keep our home, the approximate value of my home is $ XXXX, so I have equity however, due to my bills falling in arrears I can not qualify for a loan. Wells last response was I should consider a, " short sale ''. HuH!?! what exactly are these " programs '' out there to " help '' consumers avoid foreclosure? How does one qualify for assistance??

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 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XXXX XXXX, I opened a checking and savings account at Bank of the West at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX, a banker at this branch ( NMLS # XXXX ). I made an initial deposit of {$40.00} into the checking account and {$25.00} into the savings account and I was enrolled in Mobile Banking/ Online Access ; I received a debit card on XXXX XXXX after I tendered a check deposit for {$850.00} at the aforementioned branch. I spoke to the bank manager, XXXX XXXX, on XXXX XXXX and she stated that she will try to process the check on Monday, XXXX XXXX pending a 7-day hold for new accounts. XXXX XXXX called me on XXXX XXXX and she stated that XXXX XXXX will not be able to process the check deposit and thus can not remove the hold on the deposit which I took at face value. On Tuesday, XXXX XXXX, I checked my account via the mobile app and saw to my surprise that the bank took {$850.00} for funds I did not withdraw or use for purchases. I called XXXX XXXX XXXX and she stated that the bank took the funds out of my account because the check was either fictitious or altered. However, I do not understand why they would remove {$850.00} from my account for funds that I did not take out or use for purchases when XXXX XXXX stated that she can not remove the hold on the funds. She stated that she will correct the issue that day but I never heard back from her nor was I ever able to speak with her directly as they did not want to resolve this issue promptly as promised. They even blocked me from accessing my account that day so I have no way of knowing what they did to my account.

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
XXXX is trying to bill me for another persons account. I phoned the company and tried to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/2018 I filed a diaper against merchant XXXX for {$110.00}. XXXX 's was charged back on XX/XX/2018 which they claim they sent the funds back via charge back. It if now XX/XX/2018 and American Express Serve disputes team can not find the funds and they keep asking me for the same documents I've provided them over and over again with via email. Which I have confirmation saying those documents were received. Today I called checking status once again, speaking with disputes supervisor promised find would be credited to my account today and that the dispute was filed under wrong label. Always a different story. 
Calling later that day funds went posted to my account I was told, still investigating due to insufficient documents. That's ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I have been trying to get a collection account removed from my report. I have filed 2 different disputes with XXXX for the same account and they do an " investigation '' which takes maybe a week or 2, and both times they come back saying that the account/balance is valid. I have sent them copies of the cashed check from my bank that the collector cashed and stamped with their name and address, and XXXX   REFUSES to update my credit report to reflect that information ACCURATELY. They are still showing that I owe them money when I don't and they have seen the checks that prove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
have been trying to get a loan modification for over two years, each time I was denied XXXX used the wrong income. I have equity in my property, yet I was encouraged to give a deed in lieu and hand over my equity to the bank. The foreclosure process by XXXX XXXX was horrendous and the trustee XXXX, XXXX XXXX XXXX XXXX made no doubt that they were not interested in assisting me what soever, and were very hard to reach I felt a like ping pong ball going back and forth between the lender and the trustee. XXXX has not been willing to help people of XXXX and it appears that this practice is systematic and prevalent in the City of County which shows in the XXXX complaints by unhappy customers. 
I received a compliance declaration from XXXX with California Civil Code which does not exist. 
I am unable to tell how the trustee came to be when I am in a securitized trust that I don't know how I got in and I can not find evidence of my loan in this trust,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine. 

On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I leased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, Arizona for a term of 36 months. Due to my declining physical condition ( Post-XXXX  ) and no longer able to drive safely. I made a decision to relocate from XXXX, Arizona to XXXX, Arizona to an independent assisted living facility. I called XXXX XXXX in XXXX to inform XXXX XXXX I was no longer able to drive safely and would it be possible to terminate the lease early and be excused from the remaining payments. In XX/XX/XXXX, I spoke to XXXX XXXX at XXXX XXXX. Mr. XXXX indicated that it would be possible to excuse the final payments if I returned the car prior to the last 3 months of the lease. I returned the vehicle on XX/XX/XXXX in excellent condition with only XXXX miles on the odometer. On the date of return a XXXX XXXX representative informed me I would be responsible for the {$1500.00} remaining on the lease. I did not have the {$1500.00} to pay the remaining lease amount. A friend who accompanied me volunteered to pay the {$1500.00}. This information was contrary to what I had been told in XXXX by Mr. XXXX ( no longer with XXXX XXXX ). I felt very humiliated and feel as a senior I was taken advantage. XXXX XXXX informed me that they were " in business to make money not give money away. '' I have written to XXXX XXXX and the XXXX XXXX XXXX which have not responded. I have also completed a Consumer Complaint Form to the Office of the Attorney General of Arizona. I returned the vehicle early based on Mr. XXXX 's assurance that I would not be charged the last three months payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I dispute items on my credit report with Transunion. 
1. Collection accounts - which i never got letter for example- XXXXXXXX - {$840.00} Never been to XXXXt, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry

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 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have completed three written requests for legal verification of an account with Capital One that has been charged off more than 8 years ago and all of my written requests for a response have gone ignored. They have not complied with my legal requests and my written attempts were sent in XX/XX/2018, XX/XX/2018 and lastly XX/XX/2018 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I dispute items on my credit report with XXXX. 
1. Collection accounts - which i never got letter for example- XXXX - {$840.00} Never been to XXXX, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber
State: CA

Complaint narrative:
In XX/XX/XXXX I received a collections notice of unpaid balance for {$120.00} to XXXX XXXX XXXX from Collections Company Grant Weber. My research showed I paid this through my HSA account. I called XXXX ( HSA account ) and was provided documentation this was paid. I contacted XXXX XXXX, and they stated they would investigate. I never received any further update until XX/XX/XXXX when I received an alert from XXXX of a credit hit. I reviewed this entry and found it was for this amount and Grant Weber for collections unpaid. I contacted XXXX XXXX again, and was told since the debt was sent to Grant Weber I was not able to talk to them. I escalated this with repeated calls and faxes. While attempting to get to the correct person ( over a period of a few weeks between " early XXXX '' and XX/XX/XXXX, on XX/XX/XXXX I received a check in the mail from XXXX XXXX ( not XXXX ) returning my {$120.00}. I followed this up with more faxes and documentation. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX. We reviewed all the details and documents. She was satisfied the check was incorrectly handled on the " XXXX '' side ( should have went as written to XXXX but someone deposited to the hospital ). XXXX stated she would handle Grant Weber collections. I received a letter but they still hadnt removed the credit report. I attmpted to contact them and again requested XXXX to assist. Then I received today still another credit hit ( posting ) from Grant Weber. They do not return phone calls and continue to harass me with credit reports destroying my good credit rating.

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 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX representing Citibank, N.A is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.

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 2018-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
During the afternoon of Tuesday, XX/XX/2018, I was unable to cash a check at U.S.Bank, on which the check was drawn. I had valid proof of my identification. I was told by by bank teller XXXX XXXX that U.S.Bank would not honor the check because I was not a bank customer. In fact, I am a customer, having two credit card accounts with U.S.Bank. She said that only if I paid a {$7.00} NON-CUSTOMER fee, would she cash it. I asked to speak to the branch manager. I was told that XXXX XXXX was the branch manager, which was a LIE. I had to wait 15 minutes to speak to her while I could hear her gossiping on personal business on her telephone. But the bank 's HQ in MN says that XXXX XXXX is the branch manger. Why wasn't he informed about me? So, usurper XXXX XXXX repeatedly stated that to me that USBank credit card holders are NOT customers. TOTALLY ILLOGICAL! She also said that she did not know what the bank 's policy was because she was " not a lawyer ''. She NASTILY told me that she would follow XXXX 's advice and charge me a {$7.00} fee to cash their check. USBANK is abusing its national banking charter by considering customers to be non-customers. As a result of such EXTORTION, I did not get the money which the bank has and owes me. Therefore, I am 1 ) tellong the several people who give me USBank checks that in the future they must pay me in cash because of their greedy bank. 2 ) I am initiating a drive to the relevant congressional banking committees to improve current law abused by big banks. 3 ) I will begin to phase out use my two USBank credit cards and use other banks ' cards that I have. 4 ) Badmouth USBank to many, many people ( I have already started ).

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  reflects the Human Resource debit is paid off, and I quote from their web page, " You've paid off 100 % of the original amount '' ... but also XXXX XXXX continues to tell me about once a month via email that the debt is effecting my credit score. 

The debit concern is with The XXXX County XXXX Department of Human Resources which wrote this debit off to my local district court for garnishment of which they are collecting biweekly from my payroll which I can provide digital proof of. 
Also the debit owed that they are reporting to XXXX and Equifax is not the correct amount anyway nor is it in arrears or bad standing. So I am requesting that XXXX and Equifax remove this discreprency immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Contacted Navient concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. Navient also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX County File # XXXX Plaintiff : Capital One, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # XXXX XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX, Third ( 3rd )  complaint! This is with regards to information obtained from the XXXX XXXX XXXX resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from XXXX it has an old address even though my current address is in their files. See included 3 letters each showing correct address from XXXX XXXX XXXX and Capital One clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from XXXX XXXX XXXX is in the mail to me at my current Address! 
My complaint is that XXXX XXXX XXXX XXXX had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by XXXX XXXX XXXX XXXX in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MI XXXX in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
some one open 3 credit cards in my name /.some one used cable also in my name basically used all my information And now its hard for me to prove it wasnt me.

Company response to consumer: Closed with non-monetary relief