vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
I have been trying to get help with a modification since XX/XX/XXXX I was a month behind and after i started asking for a modification help it got 3 months behind so they will not take payments Now I am 8 months behind and can not afford to catch up so they put a Sale date on my home of XX/XX/XXXX and say it is a FHA loan and will not be able to help me till XX/XX/XXXX and that will be to late the reason I got in trouble i was off sick for almost 2 months but I have showed them ever since I do make the money and need to keep my family home of 20 years they told me to sell it and that will not work the house is not even worth 1/2 what is owed on the house PLEASE HELP ME KEEP MY HOME ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Seterus, Inc.
State: FL

Complaint narrative:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This collection company sent me a fake American Express notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for American Express, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: TN

Complaint narrative:
Requested payoff quote from Selene Finance on XX/XX/XXXX. XX/XX/XXXX, still have not received the payoff quote. Called again and representative was very rude. Finally said request would be expedited and should have within 24 hours. As of today, XX/XX/XXXX, still no payoff quote. Called again and representative was again rude and refused to give a timeframe for when payoff quote will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Trust Management LLC
State: OH

Complaint narrative:
Called my wife about an alleged debt. Then called me. I called back and the woman asked if my wife was available I said no and said I'm her husband. She accepted that as fact without verification and went on to tell me about some debt incurred in XXXX of 2017. When I asked her for a verification of debt she told me I would need to do that in writing and that if I was trying to buy time it wouldn't work. Debt collectors are required by law to proffer a VOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This collection company has been repeatedly calling me daily at both my office and cell phone. I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a no fee checking account with Bank of America some time in XXXX, based on the condition that I don't use the teller / bank-walk-in facilities and I get my statements by email only, while I can use online banking and ATM for doing transactions. It was good all these years until they suddenly charged me XXXX $ fee on XX/XX/XXXX. Since I was honoring all the conditions set by bank till XX/XX/XXXX, I didn't notice the inside details of the statements Bank of America sent through email. Coincidentally in the month of XXXX I logged in the bank account and noticed XXXX $ fee because I didn't maintain XXXX $ minimum balance and they have abandoned the e-checking account or no-fee online only checking account, which I was not aware of. 

When a significant change of this sort is being implemented by Bank of america, I would have expected them to send a letter through mail not just mentioning it in the email statement! which missed my attention because I trusted in Bank of America that they will continue to have the facility they provided initially when I opened the checking account. 

So in total they charged me XXXX $ monthly fee for two months i.e for XXXX month which I was totally unaware of and for XXXX month, when I logged in the account and became aware of the new rule. As soon as I was aware of this, I made sure that I maintained XXXX $ minimum balance by transferring external funds. 

It is totally unethical by the bank to charge the customer by not informing about the new changes they did by proper means of letter through Mail. 

I kindly request you to take this with bank and refund my XXXX $ fee collected by them.

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 monetary relief
Consumer complaint received 2018-06-26 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I have communicated with Credence in writing via certified letter with return receipts in XXXX and XX/XX/2018. In my initial request to them, I explicitly stated that I was disputing the validity of the alleged debt. Credence did not provide any documentation to substantiate the alleged debt. Credence provided on their letterhead from the latter dispute in XXXX ( see attached ), I did not receive a response from my XXXX dispute, an arbitrary number that does not provide any details nor specifics as to the date this alleged debt became payable, original delinquency date, verification that this debt was assigned and sold to collector, a complete accounting of the alleged debt and the name and address of the bonding agent for the collection agency in case legal action becomes necessary. I received nothing. In XX/XX/2018, I again attempted to communicate with Credence for them to validate the debt and yet again, they did not. 

It is apparent that Credence is blatantly violating my consumer rights by reporting this unverifiable, inaccurate, erroneous entry on my reports. To that end, this entry must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: IL

Complaint narrative:
On XX/XX/2018 I wrote a letter addressed to the Bureaus to have these accounts removed from my credit because they are fraudulent. Ive made several phone calls and they still have not removed the accounts from my report. Please assist me with removing these fraudulent accounts from my report. I have already submitted to them that I was a victim of identity theft and i provide the identity theft report and these items are still on my report. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Purchased a coat on XX/XX/2016 at XXXX 's in the amount of {$140.00}. Paid with my debit card. Sales associate asked me to sign up for a XXXX 's debit card to get a {$25.00} discount. I signed up. He linked the debit card to my bank account. A few days later I was debited again for the coat. I refused payment since I paid at the store in XXXX on XXXX XXXX and XXXX. 

I submitted statements to XXXX indicating debt was paid. Associate at store agreed it was paid. Still it went to Collections. I sent copy of statement to Collections Agency. XXXX 's has now sent it to three different collections agency. I am not paying for the coat again. 

The collection agency that contacted me today CALLED ME FIVE CONSECUTIVE TIMES WHILE I WAS AT WORK. I was at work and could not answer. They are not allowed to call me five consecutive times if I do not answer that is harassment. I will be filing a second complaint against AMsher. My complaint is related to their communication tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This collection company has been repeatedly calling me daily at both my office and cell phone. I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: GA

Complaint narrative:
When I test drove a vehicle on XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, GA XXXX ) assured me that viewing estimates for my auto loan rate that it would be a soft inquiry. Now I have XXXX hard inquiries on my Equifax report - one from XXXX XXXX XXXX XXXX. and one from XXXX XXXX XXXX XXXX. This will effectively lower my credit score for XXXX years, and should I try to apply for any other form of credit, give me an unfavorable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
-- -- -- -- -- Forwarded message -- -- -- -- -- : Complaint against Wells Fargo. 





This is a complaint with Wells Fargo Bank regarding my Visa Credit Card number. 


I don't have the exact dates for the first two times this same problem came up on my account but for the third time I do. 

On XX/XX/2018, there was a deposit into my credit card account for {$300.00} that was made in branch in cash. The number for that transaction is : # XXXX. I called the bank ( Wells Fargo ) and explained the mistake was not my deposit. Finally, on XX/XX/2018, the deposit was reversed and that transaction number is : # XXXX. This was the third time this same amount has been posted to my account in error and takes at least 4 - 6 weeks to resolve it. 

Now on XX/XX/2018, there was posted to my same credit card a " Payment Reversal '' in the amount of {$280.00}. The number for that transaction is : # XXXX. I have called the bank several times trying to get this resolved as this payment is not mine to begin with. I have no idea where it came from and why it is added into my balance. I have explained this in detail to several different people in Wells Fargo, at their customer service number : XXXX. Each time I have called this number and explained the issue, I am transferred to several other areas that are suppose to resolve this issue. I get the same response : Someone will get back to me and get this issue resolved as they recognize this is a banking error. 

I have yet to be called back, sent an email, or rectified my account with this {$280.00} payment reversal. The last call was on Saturday, XX/XX/2018 and I was assured I would receive resolution on XX/XX/2018. I have yet to receive that call and the {$280.00} payment reversal is still on 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 2018-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I'm a cosigner on a loan with XXXX. We've been trying to refinance our loan with another private lender due to horrible customer service ( they will not answer questions and avoid them at all costs over the phone ) and extremely high interest rates 11 % +. 

We sent in an application to refinance with another company and one of the things the requested was an official document from XXXX saying that the loan was current. We had just paid the monthly balance for the XXXX loan and requested a document that said that we paid, and XXXX said that it would take them about 10-14 days to be able to give us the document so that we could be approved with the other company. We called multiple times to see if they could speed up this process, but they said this is official procedure and that it takes that long to be able to send it over. By the time we got the document we needed from them, the loan was now overdue again and we had to repeat the process all over again. It was pretty clear to us that they wouldn't send over the document in a timely manner so that we couldn't refinance the loan with another company. This process repeated for 2 months until we finally got the document needed so that we could move to another company. 

Then, after we got approved with another company, the new lender tried to pay off the balance of the loan - however XXXX will not take an electronic payment and requires a check to be sent through the mail. When I called XXXX to see why we still had a balance on our account, they said it's because it takes them XXXX days to process the check and that the balance will be reflected once they cash it XXXX whenever they decide to do so ). I asked them if they had received the check already being it was sent last week and they wouldn't tell me if they did. They also said that I'm accruing daily interest, even though the check has already been sent to them, and I'll have to pay that interest until they cash the check. The problem is that they won't tell me if they have the check, or when they'll cash it, and they're threatening to report me to a credit agency even though there's a check for the full amount of the loan already in the mail ( or in their hands XXXX. 

I've tried asking simple questions multiple times such as " do you have the check yet '' and/or " what dates would you report me to the credit agency on '' and all the say is they can't answer those questions. 

It's pretty clear that they have all of these policies in place to make it as difficult as possible to refinance with a different company and continue to collect more money from customers without the ability to pay off the loan in full ( in a timely manner ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am doing the short sale and was on dispute value due to huge repair and damage per inspection. Lender had sent appraiser come out on XX/XX/2018 and appraisal report date XX/XX/2018 with value is {$510000.00} and current offer was {$510000.00}. They said offer is submitted for approval. Meanwhile, current buyer had backed out due to they cant move on with contract due to a lot of repair and they cant handle. We got another offer with same price to submitted to lender and the lender still come back asking {$650000.00} while dispute value based on inspection report include damage and come out last 30 days. I could not understand if the lender will help us out to avoid foreclosure or not. They dont practice in right place and take advantage of us and want to foreclose over helping us avoid it. I attached the appraisal report date on XX/XX/2018 for review. The value is true and cant change just for 30 days and market is so slow down and the lender is very ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: FL

Complaint narrative:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

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 2018-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

Company response to consumer: Closed with explanation