vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We are in the middle of a short sale review with Wells Fargo, the mortgage servicer when suddenly, a foreclosure date was assigned on the house as recent as last week. We already sent over all the pertinent documents as of XX/XX/18 and had been working directly with the short sale negotiator as of XX/XX/18. Wells Fargo did not order a full interior value and only ordered the exterior value which came back highly inflated from actual market values of the local neighborhood. Without the interior value, the Investor of the loan does not have an accurate picture of the house 's condition. We were told to submit a value dispute packet in order to re-review the file if an interior value request would be acceptable. We submitted the value dispute immediately at the same time that the Homeowner received a foreclosure notice. When we requested that Wells Fargo postpone the foreclosure date since we are in the middle of a short sale review. Wells Fargo is refusing to postpone the foreclosure date, despite knowing that a value dispute review itself could take up to 15 business days to complete and not to mention, the amount of time it takes to go through a counter offer phase and then, approval.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/17 I submitted complaint number XXXX in regards to XXXX XXXX XXXX. This is an old, re-aged debt that was found not to be verifiable several times by multiple investigations, the last one being the above complaint number. This complaint is against Experian as they have added a debt to my account that hasn't been verified, has been deleted several times, and not once has the reporting agencies followed the fair credit reporting act and VALIDATE the debt before adding to a credit report. This debt can be verified and this is way it continues to be deleted. You will see in the above complaint number that this debt was already deleted once.

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 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB management services has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am currently serving in the XXXX XXXX XXXX, and the government travel credit card is issued for military/government service related duties only. 

Ive spoken to the bank about the ongoing pay issues involving pay delays to military that are do to government shut downs or just department of defense pay delays that are out of military service members hands. 

They want their money or they add late fees and the chain of command gets involved in negative manner on their card holder. 

Ive given the bank the information to call the pay roll which is military travel pay department whom pays the card directly and thru defense travel services which they will refuse to do so, and burden the service members to pay. 

This practice needs to stop

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 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After a temporary financial situation caused me to get behind in my mortgage, I applied for a loan modification back in the summer of 2018. I never received any status updates regarding the application and have since attempted to follow-up on the modification. I have also since been able to make regular mortgage payments, however, have been restricted from making any payments since I fell behind. 

All attempts to reach someone by telephone have led to either extended hold time and eventually I am disconnected. Additionally, I attempted to check the status of the modification online and continued to receive the message that my application status could not be accessed. Again, I attempted to contact the telephone number I was referred to on their website, to no avail- long holds and then disconnected. 

Today, I called and actually spoke with someone who stated I would be transferred to " a relationship manager '', but also gave me " their phone number '', which in actuality was the same number I called to reach the person with whom I was speaking. I was transferred and a recording stated, " Let me see if a Relationship Manager is available '', and after a brief hold, another recording informed me that no one was available and stated, " This call is being disconnected ''. As usual, there was no option to leave a message and I was again disconnected without speaking with anyone who could assist me. 

It appears as though this is a scam and they are looking to increase interest and fees!

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 2019-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I have a medical collection that i have settled and paid that is showing up on my credit report as unpaid. I have tried contacting the company to get it removed but it remains. Please help

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 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover card reopened my account XXXX without explanation as to why they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I want to SUE DITECH, I paid my mortage every month after my loan modification with XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
We have a collection on our credit reports that is from a rental agency that we've never lived at and we never have broken a lease for that much money to begin with. The company refuses to remove the collection from our credit report though.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a checking and savings acct with the total balance of {$29000.00}. Because I opened the account on a Saturday I was told that I would not be able to access the money until the following Tuesday. That Tuesday morning I withdrew from the atm {$500.00}. Later that evening when I went online to check the account I was not able to log in. I called the number and was told that Chase did not want to do business with me and my money would be returned to me in 7-10 business days. It has been almost one month and I am still waiting for them to mail a check. Everytime I call I get a different story as to why my check has not been mailed yet. The phrase they want to use is it will be mailed in 3-5 business days. I have been told that at least 4 times to no avail. If you are thinking about Chase for your bank I would recommend keeping your money as far away from this bank as possible. The customer service agents are unbelievably rude. And are in definite need of customer service training.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I received a letter on XX/XX/2018 from Sunrise Credit Services stating I owe {$620.00}. Ive dealt with this fraudulent issue since XXXX. XXXX allowed someone to impersonate me over the phone and even steal a phone. They refused to cooperate with the police and told me though I have put regulations on my account anyone can call with my information. They allowed bogus information, phone orders, fraudulent payments and thefts for months without my knowledge. When it came to making a police report they wouldnt provide the information needed. I have several report numbers from the FCC and Illinois Attorney General. This was fraud take accountability for allowing someone impose as me. XXXX had me calling insurance companies and told me this bill was from something else. It took a week for a rep to tell me what it truly was fraud! FCC # XXXX Now they have a company sunrise contacting me for a fraudulent account.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
i have contacted Chexsystems in regards to my consumer report. They are not investigating anything properly and are refusing to provide me with accurate information on my profile. I spoke with a guy names XXXX and i was told my consumer report was being wipe clean and there would not be any negative info on my profile. I called back a few days later and I was told something else by a different rep. They said they make there money by keeping things on consumer reports. Most of the individual that work for them are not American and rude and when i ask for an American rep the refuse to allow me the chance to speak with one. The are violated the fair credit reporting act. Can you please help. I even tried reaching a manager but no success.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive sent equifax several documents to update my address for months and sent all the proof I needed and they still wont update my address to the correct address also I have not been able to access my online account in months they have failed to give me access when I told them I believe that my online account is being compromised by my ex boyfriend my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX My ssi # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX calls and texts serval times a day. This company has the wrong number for the person they keep asking for. They are trying to use a 3rd person tactic. The person that is being requested we have no connection to. It's been going on for a month. The text number comes up as XXXX and phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter. 
Equifax sent a letter stating they updated an extended fraud alert on my Equifax Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND XXXX. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDICO. INC
State: ND

Complaint narrative:
XXXX XXXX sent my closed account to collections for {$15.00} after XXXX-18. I never received notice of an amount owed after my account closed until I received a letter from XXXX XXXX XXXX in the amount of {$15.00} on XXXX-18.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a checking account at Chase in XX/XX/XXXX and have had regular direct deposit going into the account. On XX/XX/XXXX I deposited a {$200.00} check from what I thought was from my other account from a different bank but I realized within a hour it was from a closed account from that bank and not my current account but since it was after banking hours late that night ( XX/XX/XXXX ) I contacted chase the next morning informing them that I deposited a check from a closed account ( I never withdrew any funds after the deposit ) Chase told me it would just be returned and I would be charged {$12.00} fee, on XX/XX/XXXX the check was returned and my account was closed without any notification or opportunity to correct the situation even after I contacted them the next morning letting them know it was a mistake and trying stop the payment. I need my bank account and wasn't trying to do any fraudulent activity. I would appreciate it if you all could rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV

Complaint narrative:
I always make transfers thru Money Gram to the bank account of my son - XXXX XXXX XXXX University. 
Last 3 transfers : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$600.00} never make to his bank account.This was his housing and school expenses. 
After calling thXXXX XXXX XXXX who never received the money I contact already 2 times Money Gram and still not have answer where is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collections Acquisition Company, Inc.
State: CA

Complaint narrative:
I contacted XXXX from XXXX/Cybercollect back in XX/XX/2017 - At the time she was the manager of the dispute department. I was advised to send in copies of my bank statement at the time confirming debts were paid. 

I then followed up with XXXX after the fax was sent to ensure they were received. I was advised that the incorrect information would be rectified during the next cycle of reporting, or within 30 days. 

To date, these accounts are still showing up on my credit report every month. - Even worse, the debt collector changes the dates ( makes them appear more recent ) to allow them to continue to report them. 

When I asked the collector at XXXX/Cyber collect why the dates appear newer than what they are, she advised me that this is a practice that " allows them to continue reporting the debt '' - This is not FAIR, ACCURATE and frankly AGAINST the law. 

I am requesting that these damaging items be removed from all three credit reporting agencies. 

Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Forbearance plan was put in place after Hurricane Harvey. I was already 2 months late before I called and requested assistance and had over $ 5K of late fees on my account. I was called and offered the plan and was told over the phone that if I make 12 monthly payments of {$1800.00} ( Normal payment was {$1300.00} ) starting on XX/XX/XXXX and didn't miss any payments the whole 12 months, I would be all caught up and have no past due payments and all of my late fees would have been paid off as well. I was very worried about the large payment, but I had no other choice at the time. It was a hard 12 months, but I was able to make all of the payments on time and made my last payment this past XXXX. I even called them early in XXXX to validate what I was told and that after I make my XXXX payment all past dues and late fees would be paid off and my normal payment of {$1300.00} would resume and be due on XX/XX/XXXX.  They told me " YES ''. Even the automated system said after I made the XXXX payment that my next payment due is in the amount of {$1300.00} and is due on XX/XX/XXXX. Now they are totally changing everything up on me and telling me that I still owe the late fees and that all of these payments I've been making all year were going to the past due amounts that I had before Harvey and that even though I made large payments in XXXX and XXXX it still shows those months as being not paid. I asked to speak to the person who set up the repayment plan and was told they no longer work there. Now when I go online it no longer shows that my next payment of XXXX is due on XX/XX/XXXX.  It now shows that it is due for XXXX and I am two months late on payments. RIDICULOUS. WHAT CAN I DO?

Company response to consumer: Closed with explanation