vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was deceived into applying for a mortgage with Wells Fargo Bank on or about XX/XX/2018. I had previous experience with them as both a mortgage loan originator, and as a mortgage loan servicer, so I had no reasonable reason to believe that they would operate in any deceptive manor. 
I worked with Loan Officer XXXX XXXX XXXX ( NMLSR ID XXXX ), Loan Processor XXXX XXXX ( NMLSR ID XXXX ), and Sales Manager XXXX XXXX XXXX ( NMLSR XXXX  ). 
On XX/XX/2018 I was charged {$500.00} for what was supposed to be an independent appraisal that was supposed to be completed by a competent source, and was not to be controlled or influenced in any way by Wells Fargo Bank/Home Mortgage. 
That was absolutely not what occurred. Wells Fargo not only chose an unqualified and under compensated appraiser, they also put undo stress on the appraiser to control the outcome by limiting the appraiser 's ability to properly comp the property.

The Appraiser XXXX XXXX XXXX ( GA License # XXXX ) told the agent upon arrival that he hated doing appraisals for Wells Fargo, as they limited his scope, and they underpaid for the job. He was only paid {$280.00} for the appraisal, of the {$490.00} invoice. 
In turn, Mr XXXX XXXX completed the appraisal at a value {$170000.00} below sales price. 
At that point, I brought this information to the attention of the licensed parties at Wells Fargo, and filed a formal complaint with their Compliance team, only to be left hanging with no result. As they simply denied the accusations, and confirmed the value with their Appraisal Escalation team.

There have been 2 formal appraisals completed following this by other appraisers, 1 opinion of value completed by a 3rd appraiser, and 2 BPO 's completed by Agent/Brokers, all of which support the market value, and completely discount the appraisal completed by Mr XXXX XXXX. 
Wells Faro has refused to refund my money.

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 2018-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I reported the dispute to capital one and provided them with the documentation that showed the XXXX XXXX  who was automatically charging me {$99.00} per month was doing so after the service had been canceled for 11 Months before I noticed and disputed the problem. Capital one responded and stated that I did not provide the documentation that they requested but this is untrue. I have also tried to call XXXX XXXX  to discuss the issue and they just have a recording with a message and never return my calls. I have also been charged late fees and interest that I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good afternoon. I am currently reviewing my credit report and there are several Inquiries ( 34 ), I do not agree with. There are a few duplicates and several I did not authorize. I attempted to dispute the items online, but the site advises customers to contact Experian at their XXXX number. I contacted them directly XX/XX/18 @ XXXX and was advised I could not dispute the information because they do not have access to dispute inquires.

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 2018-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Again Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper is a registered mark service for Nationstar Mortgage still operating it's business as Nationstar Mortgage. Severally in the past Mr. Cooper asked me to submit same documents over and over again which were immediately submitted but were not utillised for the purpose intended that is to modify my HAMP Loan modification I applied for in XXXX. Instead Mr. Cooper engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification I applied for in XXXX. Mr. Cooper never conscientiously try to help me modify my loan so that I could stay in my house. Instead Mr. cooper engaged in looking for any rabbit hole it could find all in an effort to justify itself why it could not modify my loan. Is even more so now not giving me any justifiable reason or reasons why my house is scheduled for foreclosure sale on XX/XX/XXXX. It is obvious that Mr. Cooper 's goal is to sweep my HAMP Loan modification I applied for XXXX under the rug. Mr. cooper can not unilaterally resolve my HAMP Loan Modification because The HAMP Modification Program guidelines specifically stated to  resolve a loan under the Program it has to be bilaterally resolved and not unilaterally resolve. To do so is a violation of the HAMP Loan Modification Program guidelines. Also, Mr Cooper again is violating the Virginia Bankruptcy Law by repeatedly touting me with a voluntary payment in the amount of {$460000.00} which is illegal. I filed for bankruptcy in XXXX and my wife filed for bankruptcy in XXXX and both were discharged. XXXX XXXX XXXX XXXX in it's letters six of them, context the same that I received on XX/XX/XXXX said please find enclosed advertisement as published in XXXX XXXX XXXX. In all six foreclosure sale letters I received I could not find any advertisement as claimed by the Trustees, a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by Douglas Chancellor Meyer for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
My complaint is about a payment I made that was not recieved by credit card company XXXX XXXX  on XX/XX/2018 I made payment online that was comfirmed by XXXX XXXX XXXX web site, that the payment went through and would be process ,30 days later I discover to my surprise that I had been reported to the credit bureaus by XXXX XXXX for late or never received payment.My payment was never received by XXXX XXXX  although i made payment on their web site when i called XXXX XXXX they told me if i tried to make a payment on line using a cell phone that the payments or not received that way and that i must first download a certain app to pay from my cell phone, I had no information about this needing to download an app before hand, XXXX XXXX didnt inform me that i couldnt pay this way nor did their website explain anything about needing to download an app to pay when using a cell phone.

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 2018-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by XXXX XXXX XXXX for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I received an email stating an account was added to my credit report from XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX for the amount of {$880.00}. It was opened XX/XX/2018 and states it's a joint account. I called them and asked for the information pertaining the account and was told it was fraud for a rental property in the state of Texas. They advised me to get a police report. When I looked at the account again on XXXX XXXX the remarks stated " account information disputed by consumer, meets FCRA requirements '' meaning they verified it belongs to me. Which it does not.

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 2018-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Sent for validation of debt in accordance with the FDCPA and was not validated nor removed instead they are offering settlement ( s ) on a debt or contract I have not made with this company. NCB Management Services, INC has kept my credit from showing it's true score and has kept my family from benefiting from a true credit history. I have never made any contract or agreement with this company and they have not been able to prove that I owe this debt to them. Furthermore ; I nor my family was ever served properly on this account since we do not live in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX loan debt was charged off showing XXXX balance. It still shows a balance of {$20000.00} on XXXX credit report. Please assist with getting it reposted properly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
I was called by a debt collector on XX/XX/XXXX to collect a debt I didn't owe. 

They used a name I don't go by, XXXX XXXX XXXX XXXX, that my parents have used on occasion in the past for certain things, but is not a name I use ever, and not my legal name. They also claimed 'they didn't have my current address so past forms weren't received ', though I have lived there for 4 years and have used only that address since. 

They referenced a medical visit that occurred last year on XX/XX/XXXX to XX/XX/XXXX, that I had previously paid all bills in full on. I had received medical care under my legal name, XXXX XXXX, under my current address, and all related bills and other info had arrived addressed as such. 

I stated clearly I didn't owe the debt and when the caller was persistent I gave them my address and told them to send me the info in the mail along with proof they owned the debt. The caller stated 'owe we don't own the debt ', but was still persistent in wanting to send me the info anyways. 

Today, XX/XX/XXXX, I have received the info in the mail, from a 'UCSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ', again, with the wrong name, with random charges on it, and I was insured at the time so if those charges weren't fraudulent, some of them would be taken care of by my insurance, and without the proof that the debt is owed. That is why I'm filing this complaint. 

Attached is the fraudulent debt from USCB, and an actual debt from the medical service referenced that has since been paid in full. 

Best, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Despite several attempts to have old information removed from my credit report, Experian refuses to conduct an investigation. They have written me explaining that they refuse to conduct a re-investigation of this 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 non-monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
SallieMae student loan $ XXXX, paid monthly payment terms ahead of schedule ; but their disbursements to the school were late and the school kept informing us that payment wasn't received- then when we called Sallie Mae we continued to get the run around. In XX/XX/2018 called Sallie Mae to see what the issue was and the customer service rep named XXXX just kept putting me on hold for several minutes supposedly while she looked up the account but each time she would come back on the line to stall and say that she was looking something up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: NC

Complaint narrative:
N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX   XXXX ( Equifax, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX ( XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX ( Equifax, XXXX, XXXX ), XXXX ( Equifax, XXXX, XXXX ). I am acting on my own behalf and  need help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. SC XXXX ( XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ), XXXX ( Transunion ), XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transuion ),  XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ). I am acting on my own behalf and  need help with this.

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 2018-07-29 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: GA

Complaint narrative:
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX XXXX ( XXXX, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ). I am acting on my own behalf and need help with this.

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 2018-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX i obtained a loan with Santander Consumer USA. XX/XX/XXXX XXXX XXXX. Purchased for XXXX. Two years later the interest rate is 30 % and i still owe not only the XXXX still but over 24,000k in interest. In two years they say that Ive only paid XXXX toward my note. The interest rate is a rip off. The value of the car in excellent condition is 8-11k. Ive tried to speak with them and continuously get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: UT

Complaint narrative:
I have applied to have my loan consolidated two times with XXXX XXXX, and they have not taken any action to consolidate my loans. Every time I try and call in, they hang up, and the monthly bills are vastly inconsistent, and extremely high given my income. I have been denied my applications to move to other payment plans such as XXXX, due to bills not being paid due to the fact that I never received these bills ; they simply appeared after the fact in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank offers XXXX transfers to other bank account holders without any type of protection. I made a transfer to a person by the name of XXXX XXXX who has a XXXX account. This person is charging multiple people for the same tickets never providing them with the tickets. I immidiatetly contacted Citi bank but was shut down within seconds satating they are not held liable for XXXX transfers. It baffles me how a bank could offer a transfer service and then state to their customers there is no protection against fraud. The persons email conducting the fraud is 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