vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted by Ms. XXXX XXXX that resides at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX regarding Wells Fargo foreclosing on her real property. Ms. XXXX XXXX alleges that someone has taken loans out against her real property located at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX. I stated to her as a foreclosure workout agent, I would look into the matter. I retrieved information from the public record and examined the signatures comparing them to Ms. XXXX XXXX and determined that the signatures were inconsistent with hers and suspect to forgery. Ms. XXXX XXXX signed a Wells Fargo authorization form to release information to me and for me to speak on her behalf. The Wells Fargo, account numbers that are subject to this investigation are XXXX, XXXX, XXXX. It appears from the public record that loans were taken out against her real property in XX/XX/XXXX for the amount of {$130000.00}, XX/XX/XXXX {$190000.00}, XX/XX/XXXX for {$79000.00} and XX/XX/XXXX. The only loan that Ms. XXXX claims is the HELOC from XX/XX/XXXX of {$79000.00}. 
I contacted Wells Fargo executive department before I filed this complaint in an attempt to discuss this matter with them. I was assigned a representative from Wells Fargo by the name of XXXX XXXX. Mr. XXXX contacted me and was not helpful in getting information in an attempt to resolve this issue. Quite frankly it was a very poor and unprofessional customer service experience. Mr. XXXX would shout down the conversation, make accusations, hurl insults to the point that I requested someone else to deal with and that prompted this complaint. The calls were recorded and I invite Wells Fargo human resources to listen to the phone conversation on 4 different occasions. I am requesting Wells Fargo provide me for the above three account numbers a copy of the note 's bearing the signatures, copy of the mortgages bearing the signatures, copy of the payment histories, copy of a payoff statement copy of a reinstatement figure, copy of the settlement statements bearing the signatures, copy of right to cancel notices, copy of all third party documents involved in the loan origination, notary and title company.

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My accounts were closed without any prior notice to me. I had award balances that were forfeited from my account, with no recourse to claim 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 explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

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 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a car fro XXXX XXXX and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NY

Complaint narrative:
I am a victim of 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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery is a debt collector that bought XXXX/XXXX XXXX The first call started on XX/XX/2020 phone number is XXXX at XXXX XXXX the town is XXXX Pa XX/XX/XXXX XXXX at XXXX XXXX XXXX Pa XXXX at XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Washington DC XX/XX/XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX Not Valid ( XXXX is an area code for Puerto Rico ) XX/XX/XXXX XXXX XXXX XXXX  Pa ( coming up as not yet ) XX/XX/XXXX XXXX XXXX XXXX XXXX Pa XX/XX/XXXX XXXX XXXX XXXX IA As you can see not one of these phone calls are the same. When they do call and I dont answer the call the dont leave any message on my answering machine. My number is on the do not call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
Received a letter from Receivables Management Partners LLC. XXXX XXXX  XXXX, XXXX, IN XXXX. They called it a " validation letter '' but it gave very little information about what the debt was or who they were. Due to the lack of information I was skeptical that it was a scam. I spoke to the company on the phone in XX/XX/XXXX and asked them to send me more information to verify what the debt was because I didn't feel comfortable providing them my credit card information without verification. The company admitted to me that they have a record of this phone call. I received no further verification information from that company until Monday XX/XX/XXXX ( 6 months after my request ). As soon as I recieved the itemized information verifying what the bill was about, I called and paid it the same day. It was only {$180.00} which is not a lot of money. I just wanted to ensure I wasnt being scammed. 

I went to refi my home today and discovered that during the 6 month gap when they didnt provide me the verification I requested, they went ahead and reported this debt to the credit bureaus. I'm now getting a worse interest rate for my refi which will cost me thousands of dollars. This should never have been reported to the bureaus. I made every attempt to validate this debt and who this company was in order to protect myself from being scammed. They dragged their feet not sending me the information. The day that I received the information I paid it in full. I called the company today and they refuse to fix their mistake even after I escalated to management and them admitting that they have a record of my call for further verification. I want this negative information deleted from all 3 bureaus immediately. The company also admitted to me that they get a lot of calls about this which tells me they have a process gap when it comes to sending debt verification to consumers. I'm sure this same thing has happened to many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
re : Bank of America, N.A. HELOC Initial Disclosure XXXX.BOA XX/XX/XXXX The Early Closure Fee is explained under " Fees and Charges ''. To paraphrase : BOA will pay our closing costs but if we close the HELOC prior to 36 months, BOA will charge us up to {$450.00} ( the " base fee '' ) plus any mortgage and government taxes, recording fees, and any closing agent or attorney fees BOA paid on our behalf to open the HELOC. In this section, it also states : " If you ask, we will give you an itemization of the fees you will have to pay to third parties. '' Our HELOC was approved XX/XX/XXXX. I asked for an itemization of the fees subject to recapture in the event we closed the HELOC prior to 36 months. I was told that we would receive an itemization of the fees subject to recapture on the invoice if and when we closed the line prior to 36 months, but not before closing. Applicable regulations only require BOA to disclose a cost range for third party fees prior to closing, but we argue that BOA set a higher ( and more transparent ) standard in its HELOC Initial Disclosure when it offered to provide an itemization of the 3rd party fees subject to recapture. Unfortunately, BOA failed to live up to the high standard it set forth in its own disclosure. Providing an itemization of the fees subject to recapture prior to closing would benefit both the borrower and the bank, even if not mandated by regulation. Borrowers would get to consider the cost of the third party fees before deciding to accept the loan. The bank would make the Early Closure Fee more transparent and generate fewer consumer complaints.

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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
Alerted to a collection from southwest credit about a cell phone bill from XX/XX/XXXX never received any documents on this account during the time of the alleged account I was stationed over seas in XXXX do not believe the account to be mine due to the fact I did not leave XXXX in route for the United States until XX/XX/XXXX attached is my household goods packaging sheet showing my movement from XXXX to the United States and the conversation with XXXX about the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/2020 I received a letter from my homeowners insurance company stating that my policy would be cancelled for nonpaymet effective XX/XX/2020. I called PHH to  determine why the company had not been paid as this payment is escrowed. My first call to them involved a 36 minute hold and being disconnected after the agent stated he needed to transfer me to the insurance department. I called back and was treated to a shorter 28 minute wait. The next agent also stated that I needed to speak to the insurance department as my loan was not being escrowed for insurance and transferred me. The insurance department told me that indeed the loan is being escrowed for insurance and that payment had been issued. He told me that all this should have been handled by customer service and transfered me back to a new agent. I then demanded to speak to a supervisor. The supervisor determined that the payment went to an incorrect company. She stated that all would be rectified and not to worry. Today, XX/XX/2020, received a letter from my insurance company stating that my cancellation is still on as payment has not been received. I called PHH four times today. On hold waiting 48, 38, 51 and 43 minutes for agents. Two agents hung up on me, one supervisor disconnected me. All promised to call me back if we got disconnected ; never happened. Same runaround as my calls two weeks prior. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Attatched JUST RECIEVED BY MAIL XX/XX/XXXX. USAA UNSATIFACTORY WRITTEN DOCUMENTATION ITEMS DELIVERED * INTO MY HANDS AS AGREED. Attatched USPS CRIMINAL INVESTIGATION ZIP XXXX. MAILBOX DELIVERIES NOT MADE XX/XX/XXXX dated XX/XX/XXXX. Kindly Note XXXX case XXXX order date XX/XX/XXXX XXXX XXXX ** IS NOT SHIPPED TO MY ADDRESS. KIndly Note documentation ( ) Delivered XX/XX/XXXX XXXX in MAILBOX. ( MAILBOX DELIVERIES NOT MADE. ) USAA DOCUMENTATION DOES NOT PROVIDE PROOF OF USAA ALLEGATIONS ITEMS WERE DELIVERED INTO MY HANDS ** Original Signature Accepting Delivery AS AGREED. PROVE DELEVERED INTO MY HANDS AS MY AGREEMENT WITH MERCHANTS OR CREDIT IMMEADTELY. USAA SLANDERS CONSUMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXXXXXX {$420.00}

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 2020-03-25 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$420.00}

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 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, CFPB. I am submitting this complaint because I dont know what else to do. Well Fargo is not respecting my rights as a consumer. I tried to solve this issue with them but they did not respond my demand. 

Accounts : WF CRD SVC XXXX Date Opened XX/XX/XXXX Bal XXXX WF CRD SVC XXXX Date Opened XX/XX/XXXX Bal XXXX On XX/XX/XXXX, I sent them a dispute notice, which they ignored, and did not send any debt validation, as required by the Fair Credit Reporting Act. 

I am demanding Wells Fargo to remove the RELATED TO FRAUD items from my credit report. I wans a deletion letter for my records. I have been affected psychologically because of this situation.

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 2020-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REMAX
State: AZ

Complaint narrative:
The following phone number : XXXX calls me numerous times per day regarding my parent 's home. They are reale state marketers that are trying to get my parents to sell their home. I asked them to place me on the do not call list and they hung up on me. The calls are persistent and of are harassing manner as they call at all hours of the day.

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 2020-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I informed One Main Financial Branch Manager XXXX XXXX that I was filing for charter XXXX bk and obtained the services of XXXX XXXX XXXX XXXX.   Instead of coding account as bankruptcy. XXXX XXXX aided me into signing a loan modification agreement that was communicated to me deferring the payments until XX/XX/XXXX and my credit report will be okay until that time. After signing agreement which clearly has a due date of XX/XX/XXXX. I was tricked into thinking deferred payment however XXXX XXXX didn't tell me I would be negative affected credit reporting for XX/XX/XXXX and XXXX.. Poor collection practices. I have a copy of loan modified agreement for review also. In addition this company failed to report accurate credit reporting for XX/XX/XXXX despite be making a payment for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was enrolled at a state university, where I became an on and off student for a number of years. I was not ready for college, and so, I was not able to complete my XXXX XXXX XXXX. 
When I stopped attending classes, my federal and private loans were consolidated ( about $ 40k ) and have been transferred to several companies throughout the years. They are now with Navient. 
In XX/XX/XXXX, I returned to school and have been in school since. As of this time, I was able to pay back some of my loans and owed about $ 15k. 
In early XXXX, I reached out to Navient to defer my student loans because of my in-school status and my low income. They said that all of my loans would automatically be deferred once they received information from my FAFSA. 
As of XX/XX/XXXX, I am still in repayment for my private loans. When I called Navient today to find out why money was still automatically debited from my account, the representative confirmed that only my federal loans was deferred. When I asked why only some accounts were deferred and not all, she could not provide a straight answer. Because of the Covid-19 situation, they were able to put a 90-day hold due to natural disasters. I am currently working to refinance my loans with a more reputable company.

Company response to consumer: Closed with explanation