vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Wells Fargo Bank, N. A. Account Number XXXX XX/XX/XXXX Sirs : You seem to ignore the inadequacy of the responses that Wells Fargo gives to my complaints as to the XXXX XXXX XXXX  Promissory Note ( now XXXX ). Another Consumer Financial Protection Bureau complaint has been inadequately responded to by the client, yet the foreclosure suit proceeds against me. 

My initial letter to you received a reply letter in which Wells Fargo begged for more time to research until XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX, XXXX has filed a Superior Court motion, seeking payment in full of the entire original mortgage amount ( XXXX )! 

In a previous filing, I have shown that the loan was settled in full ( Please see on Pg 76 of the accounting report XX/XX/XXXX Investor Full Settlement Payment {$270000.00}. ) Please explain also explain the eighteen ( 18 ) Misapplication reversals. 

Please explain why the nice round numbers of my huge prepayment checks are not accounted for as such XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} Wells Fargo is engaging in predatory lending practices against me. They proceed with foreclosure lawsuits even though loans have been prepaid in full. 

I demand a full retraction of the suit against me until such time as the accounting discrepancies have been explained. I can not afford the {$170.00} filing fee just to explain why this suit was filed in egregious error by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint/ Wells Fargo Home Mortgage Attn : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ 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 2018-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY FRAUDULENT SERVICER 'WELLS FARGO '' AND JUST SO HAPPENS TO BE MY INVESTOR AS WELL " LUCKY ME ''. ITS APPARENT THAT THEY CAN STILL XXXX FROM THEIR CLIENTELE BUT COULDN'T USE THAT MONEY TO BE THEM TRAINING ON CUSTOMER SERVICE OR A GUIDELINE HOW TO STAY WITHIN FEDERAL GUIDELINES. BUT THEN AGAIN WHEN THE GOVERNMENT ALLOWS WELLS FARGO TO STILL PRACTICE WITH A SLAP ON THE WRIST I GUESS ITS EASY TO SEE WHY THEY FEEL LIKE THEY CAN DO WHATEVER THEY WANT. I WAS PREVIOUSLY DENIED FOR A MODIFICATION AND RESUBMITTED MY APPLICATION AGAIN DUE TO INCOME INCREASE AND WELLS FARGO MAKES YOU JUMP THROUGH THERE HURTLES TO SEE IF THEY FEEL LIKE YOU DESERVE TO BE REVIEWED FOR A HARDSHIP ASSISTANCE. THEY WONT EVEN OPEN UP A REVIEW, THEY MADE ME COMPLETE A FINANCIAL INTERVIEW WITH THIS SO CALLED RE-ENTRY TEAM AND IF THEY SAY NO THAT IS IT. I HAVE READ THE USDA GUIDELINES ON MODIFICATIONS AND I DO NOT SEE THAT I HAVE TO DO ANY SUCH THING. THIS IS WELLS FARGO 'S WAY TO DETER ANYONE FROM SAVING THEIR HOME. I WAS TOLD THAT BECAUSE NOTHING CHANGED THEY WILL NOT OPEN A REVIEW, SO I ASKED WHAT WAS THE INCOME THAT WAS USED FOR LAST REVIEW THAT THE UNDERWRITERS CALCULATED MY INCOME AT AND I WAS TOLD {$5900.00} SO I SAID WHAT IS THE INCOME THAT YOU ARE CALCULATING MY INCOME TODAY AND THEY SAID {$6400.00} WELL THAT SHOWS YOU A CHANGE. IF IT IS NOT THE SAME NUMBER THAN THERE IS A CHANGE AND THEY SAID NO WE WILL NOT OPEN UP A REVIEW. THIS IS ABSOLUTELY CRAZY THAT THE SERVICER REFUSES TO REVIEW MY HARDSHIP ASSISTANCE REQUEST AND NOT FOLLOW MODIFICATION GUIDELINES. THERE IS NO FEDERAL GUIDELINE THAT STATES I HAVE TO JUMP THROUGH WELLS FARGO 'S OBSTACLES TO GET MY FILE REVIEWED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
S.P.S. disregards mortgage contract and continues to try to collect funds which are not du. They also are trying to skirt bankruptcy laws by falsely saying mortgage payment was missed. I have a record of bank checks showing every month is paid it is current. They attempt to change the mortgage agreement which states the payment is not late until after the XXXX. Every month is paid yet i recieve statements with the comment it is XXXX. XXXX unpaid. I paiy XXXX every single month. The extra XXXX to go to principal. It is not unpaid. There is no missed payments. This company continues to falsify records to collect extra interest. They purchased the mortgage from XXXX  XXXX XXXX and try to change the terms, disregard bankruptcy laws, and falsify records. These images are from same statement multiple dates, one point says behind other says it's not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This letter is regarding an account that's reporting since XX/XX/2017, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX 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 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I filed a previous complaint with the alleged Servicer and they have failed to reply. In my inquiry, I stated that I have not received documentation proving that the original promissory note was sold by the original investor to XXXX and then from XXXX to anyone else. I stated that I have submitted various modification requests during this year with no response. I further stated that the {$6300.00} paid directly to XXXX XXXX by the bankruptcy trustee and is unaccounted for on the loans payment history. Additionally, you I provided a copy of a document from the United States Bankruptcy Appellate Panel ( BAP ) regarding Subpoena prusuant to FRCP 45, for an evidentiary hearing and oral argument on XX/XX/XXXX. Loan Background and Status The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX  XXXX dba XXXX. The previous servicer of the loan was allegedly XXXX XXXX, XXXX. XXXX allegedly became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX and an automatic stay is pending. In a previous response Caliber, failed to addressed concern regarding the payments submitted by the bankruptcy trustee, and they failed to verify that all pre- and post-petition payments were accurately posted to the loan and were reflected on the loans payment history. 

Caliber failed to provide the United States Bankruptcy Appellate Panel ( BAP ) the requested documentation. I told Caliber that I had submitted a loss mitigation application to be reviewed for a loan modification during a conversation with them in XX/XX/XXXX ; however, they claim they did not receive any documentation from me to initiate the loss mitigation process until I filed a complaint the the CFPB, and finally received documentation for a loss mitigation application package on XX/XX/XXXX. Now they claim that additional documentation is required, so they advised of such required documents which have been addressed and remitted and I am waiting for a reply. For additional information or clarification regarding the required documentation, they asked me to contact their Single Point of Contact ( SPOC ) Department at the number below. The documents were submitted by fax to XXXX, and mail to their Loss Mitigation Department at XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, by email to : XXXX, or by uploading them through their website. Also they stated if I have additional questions or concerns regarding the loan, to contact their SPOC Department at XXXX. I attach a copy of the BAP Order they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BTH Management
State: FL

Complaint narrative:
I informed the company I was a XXXX XXXX XXXX veteran on XXXX, and social security, that, That I was theconsigner, and that I would voluntarily surrender the care. The company never sent me any information on car, it wS reposed in XX/XX/2016, within this last week it was placed on my credit report after I had disputed it, The company placing it on. Y report is not the original debt, I have no contract with this, company that has placed this on my credit report. I am asking it be removed as legally they are not the lien holder, they have no right to my social security number, or my credit report, So I am asking that the CFPB ASK THEM TO DO THE FOLLOWING, REMOVE THIS FROM MY CREDIT FILE, This letter is in direct response to your companies answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file. 
Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Meridian ARG Inc.
State: NC

Complaint narrative:
Caller threatens to have me arrested at my place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This letter is regarding an account established in XX/XX/2014, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX 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 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Rep indicated that Medical Debt was not allowed to waive any additional amount due to being a policy of the account holder and not their policy. This is a false statement as they are able to accept discretionary compromises and this was confirmed in a follow up conversation later that day. They even submitted a compromise request for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
This letter is regarding my XXXX account, which you claim I still owe {$5700.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX 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 2018-08-22 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: TN

Complaint narrative:
I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX  states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Only XX/XX/2018 I had made a purchase that was advertised on XXXX who then took the company down from advertising and doing business from their site for fraud. No item received - no refund even though the seller had wrote an email on XX/XX/2018 saying the money had already been refunded. Both PayPal and my credit card attached to PayPal have sat on this issue for 33 plus days. I pretty much filed on XX/XX/XXXX or so. 
XXXX XXXX  XXXX XXXX  says they see no credit and when trying to call the real merchant at XXXX as its only an online site, that dont get the real merchant they get PayPal whom they both are blaming each other. The facts are I filed a XXXX  complaint on both companies and I do that as a first step in hopes that the company can resolve civilly and also that I have proof I filed a case. 
On XX/XX/2018 a XXXX XXXX at PayPals executive office/executive relations wrote me saying he would like to discuss this matter. I asked why he sat on a claim for 33 plus days. He said I filed it wrong but they wouldnt allow my to refile. They knew and never responded for over 30 days that they had XXXX  case open but they did nothing. They seemingly like fraudulent sellers much like the card I have attached to PayPal. XXXX says he opened it and then closed it because he has proof that the seller refunded but my bank hasnt seen it and I have not either. 
XXXX was rude so I gave him the same attitude back threatens me with Im being recorded ( like I care ) when they dismissed a XXXX complaint - which I know they can but I at least try to resolve on that level before I have to go higher. 
XXXX seemingly thinks its normal to sit on no refund of merch for 33 days. 
How these companies are allowed to do this when I showed them proof months ago I dont know. 
XXXX needs to fired. Total liar and really couldnt tell me why he didnt respond to the XXXX - it was only until XXXX called them that they decided to respond to make themselves look good.

Company response to consumer: Closed with monetary relief