vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
My husband XXXX XXXX was going through some health issues which resulted in 4 months behind on the mortgage payments. On XX/XX/XXXX my brother-in-law XXXX XXXX, contacted XXXX XXXX to pay all the late mortgage bills which he was given a total of {$4100.00} XXXX Confirmation # XXXX XXXX. My brother-in-law insisted that he wanted to pay all the late mortgage payments until XXXX XXXX ; allowing my husband and I to begin making payments onXX/XX/XXXX Whoever spoke with my brother-in-law from loss mitigation department advised him that " she '' will cancel the transaction and the new total was {$5100.00}. The amount of {$510000.00} was paid onXX/XX/XXXXat XXXX ( Confirmation # XXXX XXXX. A week later my husband and I began to receive daily phone calls from Home Bridge. I attempted to return the call 3 times ; however, I was left holding on the line for over 20minutes and no one would speak with me. I didn't really think it was anything bad or to worry about because I knew we were caught on the mortgage untiXX/XX/XXXX Tonight,XX/XX/XXXXI logged into my account and learned that I was covered until XX/XX/XXXXand not XX/XX/ as requested. I don't have issues paying the bill, but I have a huge issue with the employee that did not perform the job well and my husband and I will be suffering the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Exploring options to consolidate debt, I looked toward my existing mortgage holder, Wells Fargo. On the account summary page to the right side there is a planning and tools section. One link is " View your FICO credit score '' - I did and onXX/XX/XXXX it was XXXX. Knowing that is an excellent score I decided to explore their options and completed their Credit Options Guide. I then called in to explore the options presented as possible solutions in the guide. I spoke to : XXXX XXXX Inbound Sales Specialist XXXX, ext. XXXX ( She was very polite ) She took my info, understood that my goal was to consolidate my credit card debt, {$36000.00} worth by using the equity in my home. XXXX estimate that night was {$220000.00} and my mortgage balance was just over {$84000.00}. I am in insurance and financial sales as a XXXX worker I do not have a " regular paycheck '' so with the XXXX score the information provided it seemed like a good solution to reduce interest expense and allow me to pay off my debt much sooner than the current pace. 

I was eventually declined because of my total amount owed is too high and my debt payments would be too high - the woman that called me to tell me I was declined actually said after I reiterated that my goal was to pay off the CC debt, that they were concerned I would just run it up again. I get that, but isn't that true of anyone who consolidates debt? 

In the letter dated XX/XX/XXXX, they stated that my credit score is XXXX, 29 points lower than the FICO score on their website. The night I received the letter I went back and again selected the link " View your FICO credit score '' and this time it came back as XXXX, just two points lower, not 29. 

My complaint and what I would like to have happen : The " View your FICO credit score '' is  misleading - I would not have applied for a HELOC of {$40000.00} with a XXXX score. How many other people are being baited into making a financial decision that can have a negative effect on their ability to apply for credit again with another lender by being told they have a much higher score than they really have? 

I would like the Decline to be removed from my credit report so that when I do reduce my debt and apply elsewhere I am not negatively effected by the Wells Fargo decision.

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX put a hard inquiry thru on my equifax report that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i had points on my credit card and i decided to redeem all of my points for gift cards for a total of {$900.00} and it has been three weeks and i have not received my gift cards, i have tried to work it out with Capitol One on numerous occasions and they continually ask for weeks of more time, i am suppose to get call backs from supervisors and i receive no call back, I would appreciate your time and assistance with this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX To whom it ma concern, My name is XXXX XXXX and iam writnig this letter for assistane with my morgate company Caliber Home Loans account number XXXX, and the way they have been providing me questionable services. 
Over the past year Ive been trying to get my Mortgage company to explain why i was charged a fee of XXXX on XXXX for fees of XXXX motion for relief which i dont even under stand i never agreed to pay for through Caliber Home Loans, especially since i was represented by my own attorney from the begging of my bancrupcy, My bankruptcy was discharged on XX/XX/XXXX and closed on XX/XX/XXXX. on my bankruptcy my home mortgage was filled as retained and claimed as exempt during the whole process of my bankruptcy i was reassured by my attorney that my bankruptcy process was going well, through the whole process. therefor i would have even needed the assistance of Caliber Home Loans. 
As for the other issue I have had the hardest time with Caliber Home Loans trying to get a monthly statement for verification purposes since XX/XX/XXXX. i have made many calls, emails, and fax requesting a recent monthly statement. Even before my need for a statement i contacted caliber home loans to make sure everything was okay with my account and through the whole time I was assured it was, but now i came to find out that i needed to make a written request this whole time. And in even making the request in different formats I have be

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HOVG, LLC
State: TX

Complaint narrative:
I have been received calls from XXXX XXXX XXXX XXXX for XXXX XXXX. Call dates and times are :XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. All calls are from phone ( XXXX ) XXXX. This is also the call back number left by their prerecorded phone message they keep leaving. Their address is listed as XXXX XXXX XXXX XXXX XXXX, California, Phone ( XXXX XXXX XXXX, XXXX. I have left several message on their answering machine because I go to work before they call and don't get home until after they are closed. I have told them the subject they are looking for has not lived at my residence in 12 years and to stop calling my phone. I have informed them my phone number is on the National DO NOT CALL list. I have informed them I have filed complaints with the FCC and the FTC. I told them if they continue to violate the DO NOT CALL list and harass me further I will contact the FBI. This harassment is across state therefor it is federal. I have informed them for each phone call they continue to do is a separate violation. I will attempt to send them an email but that will probably just start them emailing me too. The government agencies I have contacted have the right and the ability to contact the FBI and should do so for these violations of criminal laws. I am also looking at violation of my rights of equal protection under the law if nothing is done. This debt collector has laws it must follow and is not. Their over aggressive actions are a violation of laws both federal and state. I want criminal charges and civil action take against XXXX XXXX XXXX XXXX for their violations. My messages have become more and more, well not polite which is not required when I'm talking to these leeches. They how ever are required to stop calling and they must be polite when talking to you. I will continue to file a separate complaint each time with the FCC and FTC as each call is a separate incident/violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
On XXXX of 2018 I received a alert through a credit monitoring system that a collection account from Hunter WarfieldCollection was placed on my credit in the amount of {$12000.00}. Prior to this alert I had never heard of this company or have done business with them. Furthermore, I had never received any letters, phone calls or any form of a collection notice from them nor am I unaware or it's affiliate listed. I disputed the debt with the three major credit bureaus : XXXX, XXXX and XXXX and have sent a letter directly to XXXX asking for the debt to be validated. 

Hunter Warfield, failed to respond to my request for validation with two written attempts but instead chose to have the account closed with the three major credit bureaus stating paid in full. The same day they re-opened the exact same account showing a new balance of {$12000.00} exactly {$1.00} more and still has not responded to any of my attempts to validate this debt and completely remove this item off of my credit reports ( XXXX, XXXX, and XXXX ) as this violates my rights as a consumer under the FCRA 15 U.S.C. & 1681 g & I have a right to be notified of a debt they say I owe. 

I am left with no other choice as a consumer submit this complaint in hopes of a quick resolution to permanently remove these items off of my credit reports

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
In XXXX I was in the hospital and the bill went to a collection agency, Rash Curtis. In XXXX my husband and I filed bankruptcy but then about 6 months later we withdrew the filing. I never heard from this company again and on my credit report it said discharged in bankruptcy. A few weeks ago I pulled up my credit report and they have begun posting on this debt that I have refused to pay. I received a phone call on XX/XX/XXXX from this company. I called and have been told I owe XXXX in  medical bills dating back to XXXX. I asked about the discharge and they said they lifted that after the bankruptcy was discharged but we never received any information, no letters. When I called they said they sent a letter in XX/XX/XXXX about a new medical bill, I have no idea what they are talking. They said they have called numerous times but have never left a message. Now they want a settlement or for me to pay the entire XXXX, and will continue posting to my credit report that I am not paying. I am not sure what to do and if this is legal. I have no problem paying, but the posting on a credit report from a XXXX debt doesn't seem ethical or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened this account and I was saving little by little. I work XXXX   XXXX .. a man with whom I worked for gave me a check and I immediately called the bank to see if the check was good. They kept laughing and hanging up .. when I drove to the bank the lady called the cops and told me that the check was bad. She then closed my account and reported me too XXXX XXXX FOR FRAUD. # 1. How was it fraud if the person gave me the check? How was I supposed to know? 
# 2 she called my brother a XXXX XXXX XXXX and said she would have him XXXX XXXX * COMPLETLY UNPROFESSIONAL *.. I waited for the cops and they said for me too just call the corporate because that was ridiculous.. I want MY NAME CLEARED FROM XXXX XXXX   BECAUSE NO MONEY WAS EVER CREDITED FROM THAT CHECK AND I DIDNT SPEND ANYTHING AND I DID NOTHING WRONG!! Complete disrespect and I have had all my banks CLOSED DUE TO HER REPORTING ME!!!! Crazy

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Card has made several hard inquiry pulls from my XXXX, and XXXX XXXX credit Reports without my authorization and without permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america claims I made a claim when I did not. It does not show in my claims messages or my bank statements. This is incorrect.

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 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.

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 2018-04-24 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: FL

Complaint narrative:
Account from the company below show in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I denied having any of the above account. I asked for the reporting agency to provide proof on me owning any on the account mentioned on the credit report in the form of my official signature. 
If they can not provide such proof, they must remove those accounts from my credit report. 
Those fraudulent reports have cause 2 of my bank accounts to be closed. 
Again, I would like the credit report agency to provide me with proof those account belong to me. 
Meanwhile I have put a fraud Alert on my credit card.

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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX card and I noticed that my entire account number is listed on my monthly statements. That is not a good thing as I have lost my statements and I'm afraid that my charge account used or stolen to be used in a fraudulent manner.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX CARD APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-24 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: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted an application into XXXX XXXX to enroll in the IBR program. A few days later, I was notified that I needed to submit my paystubs as income documentation. I did receive a response. 
One XX/XX/XXXX, I resubmitted a brand new application into XXXX for the IBR program via fax along with my pay stubs. One month later, on XX/XX/XXXX, I received an email from XXXX XXXX   that they've " received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your application at this time because your request was not complete. You didn't provide complete income documentation. '' A few months later, due to very arduous life circumstances, I was not able to give my full attention to my XXXX account and was not discerning of XXXXXXXX XXXX   recommendations. I simply assumed they had my best interest. I called XXXX  XXXX  and they persuaded me to apply for the forbearance program. Naively, I complied and was approved. When my forbearance ended, I accrued a number of late payments and was never informed by XXXX that I could receive forbearance again. I was approved for a second forbearance and then unknowingly accrued a few more months of late payments. 
None of this would have occurred had I been on the IBR/IDR plan to begin with, but XXXX was negligent in processing my application. Today, XX/XX/XXXX, I called to inquiry about my application. They said that they got my pay stubs but never my application. The email XXXX sent me on XX/XX/XXXX stated that they received my application but could not process it because they didn't receive my pay stubs which is completely contrary to what they have on record today. They claimed they MAILED me a denial letter and even another application which I never received. Nevertheless, they lost my application twice. The years I was steered into forbearance, accrued more debt due to interest capitalization, and late payments, I should have been on the IDR program. XXXX  XXXX   apparently lost my application TWICE and then was able to take advantage of me at the most vulnerable time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on 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