vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Zwicker & Associates ( XXXX ) has called me XXXX, telling me that I have outstanding XXXX XXXX credit card debt. This is NOT my debt. I shared basic info about myself ( address, last XXXX of social ) and they confirmed it is not my debt. But they continue to call. I am worried they will use my information to do more damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I no longer can get my tax information or access my loan information online with Coldwell Banker Mortgage Company. I reached out to get someone to help me from Coldwell Banker, and they were unwilling to do so! They told me they could mail the information to me, but I have never received a single document via mail from them?? The told me they could fax me my mortgage tax information, but I do not own a fax machine. I own a PC with a printer and they refused to email the information because of their security policy! 

I have had a mortgage with this company for over 6 years, not 1 late payment! Yet they refuse to help someone who needs information to file their taxes! They changed all of their website information ... now you login in and you are directed into circles! 

I 'm at a loss ... please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I recently received a statement from the IRS claiming I suddenly had a {$900.00} tax bill from XXXX. The year I 'm writing this statement is XXXX. Apparently, Credit Acceptance filed a XXXX for an account I may have had 15 years ago. I 'm not really sure when I had an account but I know for a fact that I have n't had an account with this company within the last 7 years. I am in the process of buying a home ( timing could n't be more perfect ) and I 've been monitoring my credit for the last 5 years to qualify for a mortgage. Therefore this claim would have shown up. 

Credit Acceptance claimed over {$3800.00} of my debt was forgiven. Thus leaving me with more income than originally stated, creating a {$900.00} tax bill. These types of bogus accounting tactics should be removed from our court systems.. I have faith the IRS will investigate the legitimacy of the false claim, however Credit Acceptance 's financial records need to be reviewed with a fine tooth comb. 

If anyone reading this has suffered the same fate, you can file a XXXX complaint ( XXXX 'Form XXXX ' ) with the IRS and maybe everything will work out ....

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 2015-05-01 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
The Initial creditor XXXX has lost paperwork and only produces half of the paper work we signed. Its sad because the other person in the lease agrees that he signed lease addendum to let me off the lease. The Management denied us the paperwork and only selected to use only the lease which we had signed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc.
State: MS

Complaint narrative:
Lender set an original closing date on my loan for XXXX XXXX, 2016 but had not collected enough information needed to close so we were not able to close. I am now going into the fourth month with no set closing date and lender is asking for a lot of same information already provided. Does not respond when ask what is needed to close. I feel that I am being put in line behind other buyers for whatever reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: American Financial Resources, Inc.
State: TX

Complaint narrative:
I have spend the last 6 months under contract on a house. I was pre-approved for financing on my purchase. We had a clear inspection, appraisal, structural engineering report, everything was supposed to be good to go. Finally at the end of the line we were supposed to close, until my lender notified me that the underwriter would not accept the appraisal. The underwriter stated that there were not enough comps to support the loan. After talking to the appraiser, they believed the appraisal was good and needed no changes. Now I 'm stuck not being able to close on a house I 've been on contract on for 6 months, after spending thousands of dollars on the inspection and appraisal and various other fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
National Bank of Arizona and their servicer XXXX have denied all my requests for a loan modification. The facts indicate they are not evaluating my request for all possible foreclosure prevention programs, esp. HAMP for which I qualify. Instead, because I have substantial equity, they are only evaluating my requests for reinstatement, which is the only foreclosure prevention measure for which I do not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc.
State: CO

Complaint narrative:
I was web browsing and clicked on an add from Lending tree about the HARP program. 
I clicked a link that said " Instantly find out if you are eligible '' I clicked the link and took a short survey. The link did not tell me if I was eligible. The link sent out all my info to lender for a loan. I was never told I was applying for a loan. Now I am getting called - pestered - by several different lending institutions. I never was told if I qualified for HARP. 
This seems very fraudulent to me as I was never told I was going to have my information sent out and I was never told what the original link specifically indicated it would do. Bait and Switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Pioneer Credit Company, Inc
State: KY

Complaint narrative:
I got a letter in the mail from Pioneer Credit Company that that had an actual check for a loan that they created pending deposit of the check or cashing the check. If this got lost in the mail this could 've hurt my credit. Anyone could 've cashed this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
In response to a letter mailed to my house advertising a program for veterans that lowered the interest rate on our home 's mortgage, my husband and I decided to refinance with Southpoint Financial Services. XXXX of their selling points is that customers get to lower their interest rate and skip two months of mortgage payments. The process began in XXXX 2016. All forms had been submitted and papers signed in late XXXX 2016. I was in regular contact with Southpoint 's representative via email and phone calls during this time period. I wanted to make sure we understood the process and were doing our part to complete this transaction. Part of my questions pertained to when our next mortgage payment would be due and if we needed to keep paying the bank that owned our mortgage at the time, as I did not want to get behind on any mortgage payments. Part of my questioning included the benefit of getting to skip XXXX mortgage payments. I was in contact with the agent on XXXX XXXX, 2016, to confirm that all paperwork would be signed that evening with a notary from a title company working with Southpoint. However, due to an error on the paperwork produced by the agent I was working with, the first mortgage payment was due XXXX XXXX, 2016. We had made our XXXX 2016 payment ( which was refunded to us by the former bank ). But we did not get to skip another payment. We were counting on that money to take care of a medical procedure for our son. The XXXX XXXX, 2016, payment date was included in the paperwork we signed. However, the notary from the title company skimmed over all paperwork and did not point that out to us. Plus, the paperwork was sloppily prepared with the wrong payment date in the first place. We received our first mortgage payment notice on XXXX XXXX, 2016. It stated that our first payment to the new lender was due XXXX XXXX, 2016, and we would be behind on our mortgage and owe a late fee if the mortgage payment were not made before XXXX XXXX, 2016. Of course we were blindsided by this news. I made numerous phone calls trying to explain the situation to bank and that we had not expected to have to make this payment since XXXX of the selling points of refinancing was getting to skip XXXX mortgage payments. I also made several phone calls to Southpoint, speaking to the agent I had worked with for two months and his supervisor. I explained the situation in detail to them as well. While they admitted that they had made an error in their paperwork, they stated that there was nothing they could do to remedy their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month. 

I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me. 

Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Received information on CFPB website to contact Transunion via general number. Each time I call number, a very nice but uninformed person in XXXX answers and transfers me to several colleagues in same office before they transfer me to someone " State-side ''. The person in the US then transfers me to a voicemail or a recorded message that disconnects before I can even leave a message. I have been on this rotation for about 6-7 months. I have yet to receive a call from anyone despite leaving messages when I was able to do so. Furthermore, I have sent emails to : XXXXXXXXXXXX on many occasions over the past 3 months and never received a reply. There has been no correspondence other than an email when I dispute online using a form that requires me to enter credit bureau account information that I do not have access to. Additionally, I have inquiries on my credit report that were not authorized. There are remarks on accounts that are not in dispute.

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 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
California Bank & Trust Abusive Overdraft Practices Overdrafts are incredibly expensive causing me financial hardship. I understand that California Bank & Trust abusive overdraft fee policy is unimaginably lucrative for the bank however the bank is engaging in unfair, deceptive, or abusive acts or practices. 
I am writing regarding illegal overdraft fees California Bank & Trust failed to obtain required opt-ins for my account. Continued charging overdraft fees and extended overdraft fee to my account despite my account already being in a negative state due to loss of job and financial hardship. The bank also charged overdraft and non-sufficient funds fees despite my check deposit in the branch, which they only applied towards fees and then left my account open only to continue to acquire more fees to an already negative account although I repeatedly requested to close account. They told me the branch manager is on vacation and I waited for him to return only to continue to get charged. When the branch manager finally returned he directed me to collections. I continued to be charged fee 's of {$500.00} despite my efforts to resolve the matter, again this was done to an already negative account. repeated attempts to resolve the matter via phone calls to customer service who only directed me to the branch and the branch to collections and this frustrating process continued with more additional fee 's being charged despite claims from the bank that it would 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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( Equi-fax, XXXX and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2016 I sent a dispute letter to Equifax via certified mail regarding my XXXX XXXX account # XXXX. I received an Equifax signature confirming receipt of my letter. In my letter I disputed the accuracy of the delinquency reporting of this XXXX loan and requested that the account be removed from my credit report. I called Equifax on XX/XX/2016 to check the status of the dispute and Equifax informed me that they made a mistake and never submitted a request to XXXX XXXX to dispute the accuracy of the delinquency reporting. The Equifax system did not register the dispute properly and they only contacted XXXX XXXX to verify that the loan has been transferred to another lender ( this information was not part of my dispute ). Even though I submitted my dispute over 30 days ago Equifax will not remove the XXXX loan account from my credit report as requested. Instead they want another 30 days to contact XXXX loans, even though my dispute was properly submitted and Equifax confirmed receipt. In accordance with federal law, this account should be removed from my credit report since it has been 30 days from Equifax 's receipt of my dispute. If Equifax wants to correct their system error and follow up again with XXXX XXXX to submit the dispute properly that is their option, but that does not change the fact that in accordance with federal law Equifax had 30 days to investigate my dispute, they have not received information denying the facts that I stated in my dispute letter within that 30 day period and the credit report should now be changed to reflect the facts stated in my dispute. I can not wait another 30 days for them to get this right because I am in jeopardy of losing a house that I am trying to purchase because my credit report is inaccurate. I should not be penalized and suffer these consequences because Equifax did not handle their investigation properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A dispute was submitted to Equifax on XXXX/XXXX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Complaint was submitted through the CFPB porthole with respect to this matter on XXXX/XXXX/XXXX # XXXX and the inaccurate account has been under investigation from XXXX/XXXX/XXXX until the present day. ( See Attachments ) A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( XXXX ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information XXXX cause the consumer. See : XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( XXXX U.S.C. 1692g ). Account number XXXX from XXXX XXXX is reporting inaccurate. The account inaccurately reported for months has caused me to be denied credit, higher interest rates, etc.,. This is my final attempt to clear to resolve this matter privately before taking my arguments into a court of competent jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed several times the validity of XXXX Student Loans that are reflecting late payments that are incorrect. I have disputed the late payments reflecting in my CR that are incorrect. Equifax is not abiding my the FCRA laws therefore violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Just wanted to follow up on your responds from earlier today. You said You would contact the creditor about the accounts that I 'm asking for documents on Their is no need for you to do That. Umm I 'm asking you! Your company to send me those documents the law states that you the reporting agency should have those documents in your possession at all times and when the consumer asked for them you have 30 days to supply that info. 
XXXX XXXX XXXX closed account and XXXX closed And all credit inquires that does not match any credit in my file I been battle this for 3 Months now please do this as quickly as Possible Thanks also Still willing to drop all Dispute with CFPB If you are willing to settle and have the items removed or send me the original documents

Company response to consumer: Closed with explanation