vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
In XXXX of 2016 I atttemoted to rent an apartment from XXXX XXXX in XXXX AZ. I walked in the apartment and it did n't seem like anything was wrong. I signed the lease. After this I inspected the apartment while moving in. The apartment was not livable or move in ready. The bathroom tub was not cleaned or restored, the outlets didnot work, the dishwasher was disgusting, the refrigerator did n't work, there was bees, bugs and cocaroaches infested in the apartment. During the first week I called the police 3 times due to the u safe environment. I have XXXX small children who were scared to stay in the apartment. There were people and men outside my window at all hours of the night. During that week maintenance men were in and out of my apartment attempting to fix all the wrongs. I spoke to managment serval times and ask for different apartment and location. They denied me and said they had none avaible. I gave notice I would leave this apartment within the week, which I did. These people placed a debt on my credit report for this lease in the amount of {$3400.00} dollars. I am unable to lease a home due to this. I have disputed this debt in hopes it will be resolved if not I will sue this apartment complex and will be contacting fair housing act and the better business 's bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY)
State: AR

Complaint narrative:
This company Credit Solutions LLC which I have NO CONTRACT nor have I recieved services from reported a collection Account against my SSN in the amount of {$280.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
I have received a charge off on my credit report. It 's reads Sarma debt collection. However no explanation of the debt, I have never received any letter or statement showing what the debt is, who originated it. If sarma reads this, hopefully they will send, no calls, me a written statement of the debt. Clear my credit report and I will not pursue any further legal action. If by chance this is a legal debt from XXXX XXXX XXXX ... I am XXXX military, they took labs, no treatment, that was after waiting 5 hours. Told my XXXX XXXX XXXX Physician the next day. I had to pay {$40.00} for my XXXX XXXX to take to my XXXX. If the hospital is n't intelligent enough to collect my insurance info, then pull this underhanded XXXX.. Shame on XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , TX. Shame Sharma debt collectors on unscrupulous practices. I 'm a XXXX veteran, and I do not desire to be threatened. I 've been nearly killed several times, and a young female on a phone threatening me ... She 's lucky and I will leave it up to you Sharma and XXXX XXXX XXXX to fix this or I will take further legal action within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting a public judgment on my pristine credit report.     This is misinformation. This small claims action was filed by a company that had no legal authority to do so. Is n ot manager or  owner of property as falsely stated on petition.   XXXX  I am in the process of challenging the procedure.   XXXX  I was under the assumption that this public record would not be a facet of a consumer credit file as of  XXXX   XXXX ,  2017 .   XXXX  However, Transunion continues to report this inaccuracy ' I have notified the company previously without resolution.

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 2017-07-13 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:
XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.

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 2017-07-13 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:
XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.

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 2017-07-13 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was the victim of fraud in XXXX using two of my Chase cards. One I contacted Chase about assisting me in my fraud claims, they just closed all my accounts with them. I have been a loyal customer with them for over a decade and NEVER paid a bill late and NEVER had any problems with them. <P/>There is absolutely no reason to just close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Upon trying to sell my house, it was found out that my payoff amount was higher than thought ... .Nationstar mortgage ( loan # XXXX ) shows an interset bearing principle balance of XXXX XXXX and a non interest bearing principle of {$79000.00} ( attached ) ... .Nationstar cant tell me what this {$79000.00} is and doesnt have any documents to provide..They told me to call XXXX XXXX ( loan # XXXX ) whom they purchased the loan from in XX/XX/XXXX ... XXXX cant seem to find out where this amount comes from ... when asked to provide proof of this with documents, they have not done so ... They sent what looks like an amortization schedule.. ( attached ) ..PHH took over the loan from XXXX XXXX ( loan # XXXX ) in XX/XX/XXXX ... I had a loan modification with XXXX ( attached ) and a loan modification with XXXX in XX/XX/XXXX, which I have no documents and XXXX hasnt sent ... .The problem is my total payoff with Nationstar is {$250000.00} and my loan originated at {$250000.00} in XX/XX/XXXX when I bought the house 10 years ago, and XXXX cant come up with proof or documents and neither can Nationstar, about this extra $ XXXX..Please note, when talking with XXXX, XXXX with litigation department, cut in and said XXXX doesnt service the loan anymore and can not give me documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XXXX my wife received several calls from this number. They left messages regarding a XXXX XXXX XXXXXXXX whom we do not know. They then started calling my number so i picked up and tried to find out what they wanted. They asked if my mame was XXXX XXXX ... no idea how they got my info since ive never done business with them. Asked me if i knew this gentleman which i do not. And then proceeded to hamg up. I called back curious as to why they were calling us amd they said it was for location purposes for finding this gentleman. This is a collections agency called pioneer credit recovery and apparently and they are trying to locate someone because I was a " neighbor '' at one time. This is absolutely unacceptable calling random people who have never dobe business with them to try and locate someone else to recover debt.

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 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a collection on my credit report being reported from portfolio recovery in which XXXX and XXXX has already deleted but transunion let 's it remains despite the fact that its a unverified account I have sent XXXX different letters to tranunion dispute department about this but its still remain

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 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
The company sends every year a message, saying they could not reach me by e-mail - and foolish enough, they send it by e-mail! A login with the given account number fails with the comment 'we ca n't find the account number. The proposed XXXX number is not available as XXXX-number from outside USA. As living outside USA I also have no Social Security number.

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 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT IT KEEPS BEING ADDED TO MY CREDIT REPORT AS A NEW DEBT IT IS ILLEGAL TO RE-AGE A DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened an Business account with Wells Fargo and when I started it I was the only person on the account with only my information. 5-6 months later a person 'a name unknown to me had her name as secondary person for my emails. I talked to someone in their fraud division and filed a complaint. They did n't know who was and have n't given me any information about 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 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: SC

Complaint narrative:
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I refinanced my home XX/XX/XXXX and paid off my mortgage with Ocwen. The financing company paid an additional fee so that Ocwen would record the discharge of Ocwen 's mortgage against my deed. I discovered on XX/XX/XXXX, while trying to obtain a home equity note for my home, that this discharge was never filed. All Ocwen would tell me is that it still shows pending and that they would have to research it. I submitted a research request on XX/XX/XXXX but have heard nothing from their 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 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

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 2017-07-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors

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 2017-07-13 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
Prosper Marketplace XXXX XXXX.Ca.XXXX. XXXX They pulled my credit report on XX/XX/2017 this pull was a hard credit pull. I was not informed it was going to be a hard pull there web site says soft pull that will not affect my score. I have not received any loan after the date they pulled my credit report or received any letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX XXXX I made a check deposit of {$500.00} via Check # XXXX. Shortly after on the XXXX of XXXX I made another deposit of {$600.00} via check # XXXX. Both checks were placed on a hold. When I called about the holds the rep explained because of the account having a negative balance before the checks would be held. However, my accounts went negative because of the bank. I was given a temporary credit for a claim that I filed with them regarding an unauthorized transaction. However, they stated that they had not paid that particular transaction and that they would be reversing the credit. They did not tell me when they waited days later interfering with my normal banking and for this reason I got charged a fee. That was not my fault at all either way you look at it. The fact that they issued the credit and/or took it back. I got charged two XXXX $ fees, one for overdraft and the other for being 5days overdrawn. I thought of this to be unfair but moved on. Now I am having problems with these holds and I have NEVER had a check returned and the checks I am depositing are from another LOCAL account that belongs to me as well and the money has already been taken from my other account. It is an Estate account and I pay myself from that account. However, I can no longer trust that my money will be available to me so I now have to pay fees to cash my checks some place else. This is not only a inconvenience but a disappointment because I am a new member to Bank of America and thought they were great at helping but I was wrong. I am being punished for their mistakes and it just is n't right. Not to mention I now get charged a maintenance fee for the account that I did not agree to and I can prove this via statements dated back to when the account was first opened online in XXXX. Please help me to get whatever hold they have on me corrected. I am a single mother and student and I need my money to care for my child.

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 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My problem started in XX/XX/XXXX even though I did n't know that. At this time, I purchased a property through Wells Fargo Home Mortgage. I felt something at the time but I shrugged it off because I was so happy to get something under my name. But as time goes on I keep on digging for information and things could n't make sense to me. I got very depressed. I literally pulling my hair over my head to contain my frustration. I was crying, my body was falling apart. I finally opened up to a good friend of mine whom referred me to make an official complaint through CFPB because I would n't be able to pay the legal fees. That is why I started making complaints to CFPB since XX/XX/XXXX, years after my struggle. I have never got a deed of the property until years after I bought the property and while I have never defaulted on my loan. I thought my pain was finally over when the deed got recorded. Think again! The mortgage satisfaction was not registered and the seller 's bank which has never got their money scheduled a foreclosure. Investors kept calling me day and night. I was literally pulling my hair over my head, I was crying and my body was falling apart. I had to hire a lawyer because Wells Fargo did n't believe me and was very reluctant to help me. I recalled that one of the reps told me to have my lawyer send them information because they could n't reach the seller 's bank. I had several reps on the case and the treatment was very harsh at times. XXXX XXXX was very mean and insulting. XXXX was cold and dismissive. I finally got XXXX XXXX whom I have to acknowledge did her best in this process. Now I have an issue : the water bill. It was never paid because I have never got one and as you can see it is still on the seller 's name even when I went to DEP to change the name. There will be a lien on the property if not paid as soon as possible. I did mention that to Wells Fargo and as usual it takes an eternity for them to reply.

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 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a call from Capital One saying there appeared to be two transactions that required attention from their fraud department. They asked me to send in a picture of my government Driver 's License front and back to reinstate my Credit Card. Since the address on file with them does not match the address on my Driver 's License they said I need to send in a picture of a utility bill AND a picture of my Social Security Number which I do not feel comfortable doing. I think that the picture of my utility bill is enough and the woman on the phone said I only had to send in one piece of ID to reinstate my account. With out reinstating my account I am unable to use my card OR make payments. I offered to not only send in a picture of the name on the utility bill but also a picture of account statement from my bank, all pieces of mail with the current address they have on file. They are completely unwilling to help me with this situation and asking for information that I do not feel comfortable sending over the phone. Here are the two representatives that I spoke to over the phone. <P/>XXXX XXXX ID XXXX XXXX Eployee ID XXXX

Company response to consumer: Closed with explanation