vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: POPULAR BANK
State: CA

Complaint narrative:
Loan is due XXXX for full Pay out. 

XXXX we faxed all paperwork pertaining to refinance ( fax transmittal in hand ) XXXX Resent more paperwork " now needed to process loan '' ( fax transmittal in hand ) Need a GOOD contact number or email to follow up on a loan modification. 


XXXX Sat on hold today 55 min on XXXX cust rep said what is the passcode ( we never set one up ) He said sorry you must call XXXX when we call it says hold on ( tried several different prompts ) and eventually hangs up XXXX for " new '' loans with the hope someone there could get us to the correct department. 

1 ) Please contact us back about the re-finance/modification on our 2nd loan that you hold. Reply to this email if you MUST but preferably to the customer on file email at : XXXXXXXXXXXX or Call XXXX and speak to your customer. 

TERRIBLE service, I guess the XXXX reviews were correct? Prove me wrong! If we do not hear anything within 48 hours, we will be forced to go higher : Starting with the BBB in California where the loan is provided. The BBB in Florida because that 's where your company is located. Lets see there is Florida office of financial regulation, or Consumer finance protection bureau, Attorney General Washington DC??? YOU PICK or simply give me a number to call and get this resolved. 

XXXX 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 2017-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XXXX XXXX/XXXX, I received notification from my credit alert company stating that a collection has been added from Bull City Financial in the amount of {$120.00}. I called them immediately with the intent to pay ; but I was confused as to why I received this collection without getting proper notification. I have not received a letter or phone call. They told me it was from date of service XX/XX/XXXX. the said they began collection activities on XXXX/XXXX. I AGAIN explained that I have no knowledge of this account. I explained to them that I have health insurance and I thought the amount was covered. I overly explained that I did not receive notification of this debt. My initial reason to call was pay the debt ; and to have them remove the debt after its been paid. They said that they could not remove the debt from my credit file because of a debt from XXXX. I explained to Bull City Financial XXXX that I can not review or confirm the XXXX debt because its not on my credit file and I have no knowledge of it being listed on my credit report. However, I can confirmed the latest debt of {$120.00}. I explained to them I can not verify the debt from XXXX nor can they hold this debt from 11 years ago over my head. They hung up on me ; called XXXX XXXX XXXX billing department to have them walk me through this process ; they asked me to call the collections agency. I called back to Bull City Financial again and they said the same thing ; this time, the representative told me that I had the pay the old balance AND the new balance. I explained to him again ; that I can not verify the old balance. They refused to help me ; so I reached out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
They sent me a notice with an amount to make a payment to bring it current I called them and they said they have to re submit it so now I 'm waiting again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
As of XX/XX/XXXX, having the good faith belief that the small amount of information I received from the plaintiff '' ( Jefferson Capital Systems ) '' and plaintiff 's attorney ( XXXX XXXX XXXX ) ; might be accurate. I spoken with plaintiff and plaintiff attorney about reducing the debt amount from XXXX to what I agreed to the creditor '' ( XXXX ) '' in XX/XX/XXXX, for the amount of {$300.00} on a {$500.00} balance before class action lawsuit that was filed in XXXX, Ga for their predatory banking lending practices. I never received any notification so I assumed that my account was dissolved in the class action lawsuit, until I received correspondence from Jefferson Capital Systems stating they were suing me for a debt they claim to have rights to collect. When I reached out to plaintiff and plaintiff attorney upon receiving correspondence of a summon to resolve matter of debt in the amount of {$300.00}, neither was willing to work out anything based on the terms that was already presented to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Beginning approximately six weeks ago with weekly calls, now someone calls me nearly every day from the number XXXX and leaves a message stating that they are from " XXXX '' and are calling to collect a debt. They say to call back at the number XXXX. I have called both of the numbers back, and first it says I have reached a " non-working number '', then immediately rings again and a recording states that I have reached " Navient ''. Once, after going the long way through their IVR, I finally got to a person, who immediately asked for my SSN. I refused to give it to him, because this obviously sounds like a scam, and asked why they keep calling me. I was told that they ( Navient ) deal in student loans, and I told him that I have never had a student loan. He then confirmed that they have no record of my phone number tied to any account in their system, and also said that they are not affiliated with any company called 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 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Saying I owe at Wells Fargo and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of 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 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.

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 2017-09-28 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: TN

Complaint narrative:
All of the above. 
Exquifax and XXXX continue to resell fraudulent and inaccurate information to 3rd parties requesting the info. 

They resell innacurate info to new credit lines and continue to slander my good name. I have written libel from these companies. IT WILL STOP TODAY. 

Some I have authorized. Some I have not. ongoing dissemenation is further not authorized. only existing tradelines ( revolving card companies ) are ever given that permission to boost my balances. others have been continuously given my info. 

my info was sold repeatedly wo my consent. 
furthermore these companies refuse to delete info that others have. XXXX and XXXX have purged several accounts. these other bureaus have refused to comply. 

XXXX purged over 7 accounts. the others should do same-it is a FCRA violation not to. 

I have inquiries from the resell of my info I did not authorize. there is nothing " soft '' about it. 

This has unfairly affected my score and FICO, which claims its about " fairness ''. Theres nothing FAIR about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC
State: KY

Complaint narrative:
I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XX/XX/XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XX/XX/XXXX. XXXX XXXX also placed the account in collections with National security systems as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted XXXX and XXXX as well and seem to be getting nowhere with the removal of these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I paid an outstanding debt in the amount XXXX to XXXX collections. The debt was actually with a collection agency by the name of Credit Collection Services ( CCS ) located in XXXX MA XXXX. 

When speaking with XXXX on XXXX XXXX and XXXX XXXX I could not get them to provide me direct proof that the debt was paid after I paid it in full. At that point I spoke with the collection department at XXXX cable directly. They stated that they would report to XXXX within XXXX hours that the debt was paid. I then spoke with CCS to ensure that once they received confirmation from XXXX that the debt was paid that they would provide me in writing the clearance of the debt. They would not do this. 

I also requested the debt was removed completely from my credit report once paid as even if it shows as paid in full it still shows collection activity. They stated that XXXX does not allow them to report to delete the debt from my report. 

I have disputed this debt with all three credit agencies. 

I had dealt with another collection agency, XXXX XXXX receivables in XXXX Maryland, and they provided me with the same information requested from CCS within less than XXXX hours of paying the debt and it will be removed from my credit. XXXX XXXX Receivables WAS EXCELLENT! 

Additionally I was informed by XXXX when I contacted them of a debt from XXXX that was owed. This debt is also placed with XXXX and I am concerned that they will try to reboot it reporting it on my credit, even though the debt is older than 7 years. I made no acknowledgement that this debt was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The company is falsely reporting inquiries on my credit report. I have contacted the company on numerous occasions on been place on hold for a long period of time for half time. When I have written letters they continuously say that they have verified the information. 

On my credit report is a fraud alert with the following statement since I was an id theft victim : XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX. 


When I see these inquiries pile up on my credit report, I am not convinced Experian is doing their job or have even investigated the matter. I have attached two of the letters that I have sent them. 

This is the last attempt for mediation before I would take them to court for negligence.

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 2017-09-28 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: RI

Complaint narrative:
I contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC
State: LA

Complaint narrative:
Me and my family flooded XXXX of 2016 in Louisiana. Me and wife started contacting our lenders to see if we could defer some of our payments to the end of our loans since we did n't have floor insurance and most of the expenses was going to come out our pockets. My mortgage company was glad to help with and promising us the payments that we missed would be put on the back of the loan. After one year later and three sets of paper work we had to send in and countless phone calls we finally got our modification paper. XXXX XXXX dollars and two years was added to the loan. When I question them about the add the balance they could only give me assumptions of where the add was coming from and denied me the paper work showing the add. If I would have known the headache and the fact of not knowing I was going to lose our home that we are raising our XXXX children in. Do n't trust GMFS mortgage company or XXXX. After losing all my belongings I was thinking I was going to lose my house too. We thought at the time that it was a blessing but turned into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The reason I am filing this complaint is because I have not been given the proper opportunity to save my home from foreclosure sale which is scheduled for Wednesday, XXXX/XXXX/XXXX. I have been working to achieve a workout solution to avoid foreclosure in working directly with XXXX XXXX Mortgage. In the first week of XXXX, I have not been able to reach my relationship manager/assigned XXXX with regards to my options to save my home shortly after the change from XXXX XXXX to XXXX XXXX. This lack of communication as impacted my ability to be able to speak with a live representative for now over XXXX weeks. I have submitted all financial information that is required of me on XXXX XXXX, XXXX. I have not received any calls or communication from XXXX XXXX acknowledging that they are in receipt of all my information and that such documents are being considered for all retention programs to save my home. I have made over XXXX attempts to reach them by phone and all I get is an automated system and a general mailbox to leave a message which I have done every single time that I called. I have not received any call backs. 
I was notified XXXX weeks ago with regard to my foreclosure sale date of XXXX XXXX, XXXX and have been working diligently to make contact with my case worker to no prevail. This is of great concern because I feel that nothing is being done with the information they requested of me and I provided on XXXX XXXX, XXXX. 
I am requesting for your assistance in hopes that you can assist with opening the lines of communication with my servicer, stop my foreclosure sale, so that I am given proper consideration to keep my home. I am also requesting for acknowledgement of the workout package I submitted to XXXX XXXX on XXXX XXXX, XXXX and the status of the review. I am also requesting for my assigned representative to contact me so that I am aware of the current status and if any additional information is needed from me to conclude their review of any programs that are available that can help me avoid foreclosure. 

Please assist me at all possible to remedy this situation as I am 100 % interested in keeping my home and have complied with supplying all required information they need for consideration. I have also spoken with an attorney and have been advised that my rights under the Homeowners Bill of Rights Act have been violated and may have no other choice to retain them for a fighting chance to keep my home. 
I can be reached at XXXX should you need to contact me for any additional information. 
Thanks in advance for your assistance and helping me keep my home. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: HI

Complaint narrative:
I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!

Company response to consumer: Closed with explanation