vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
Weltman , Weinberg & Reis Co. of XXXX Ohio received a judgement against me in XXXX Court for a credit card I was unable to pay on because I became XXXX. As of XXXX XXXX, 2016 they have tried to hold/attach my social security XXXX check & my husband 's social security money direct deposited into our joint bank account via the court system. I never even received notice of this latest hearing. Just a notice from the courts that it was done. 
I know the money in the joint checking was tried to put on hold cause my bank contacted me. They did hold the money in the joint savings account, which was a small amount transferred for end of month expenses via the regular joint checking. 
So now, we are faced with the point where Weltman , Weinberg & Reis will try to hold our social security money every month if they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: IL

Complaint narrative:
FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with 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 2016-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received a letter from CCS ( Credit Collections Services ), stating that I owed money to XXXX XXXX XXXX and demanding payment of {$240.00}. 
I contacted CCS and asked the nature of the claim. They could not provide me with a date or reason for the debt. I disputed the debt with them. 
I then contacted XXXX XXXX Collections department and spoke with XXXX XXXX x XXXX. He checked all our information, telephone numbers, SS #, tax ID and could not find any debt of any type associated with my name. 
CCS indicated that they are unwilling to remove this debt from our record. I am requesting action be taken against CCS and our name cleared of all claims from CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: VI

Complaint narrative:
Around XXXX CALLED WELLS FARGO @ XXXX, spoke to agent XXXX, regarding an overdraft charge on my account 's statement of XXXX 2016. I wanted to know why an overdraft fee was done when the balance, given for that day could more than cover the " overdraft '' she indicated to me that she could authorize a credit of {$3.00} and some cents, the system would only permit that amount and she could not do the entire amount. She explained to me that there were pending charges given XXXX XXXX, which she could see that were included making the account with a negative balance. I asked her if she could send me that info and she replied no because it was internal use. I ask to speak to a supervisor who would have authority to reimburse full amount and she politely saw to my request. The Supervisor XXXX gave her full name but I did n't record her last. She ask how could she help. I advised her I wanted a full refund because my statement does n't show in my estimation that an overdraft was needed, therefore no {$12.00} fee should be charged. She answered my question with the same info and explanation that XXXX gave me. I interrupted her to advise her of this. I ask her where is she seeing a negative balance? She replied the pending amounts, XXXX XXXX, which I realized were the posted amounts for XXXX XXXX, on my statement totaled that negative balance, therefore she would only authorize the same refund that XXXX indicated. When I stated that was unfair because these transactions were not on the XXXX but XXXX she stated that they were pending therefore valid for the XXXX. I stated to her you can see my statement has them on XXXX and I should be given a full refund at that point about XXXX, I said her name and got no response, I continued to say hello until I concluded I was disconnected there was no dial tone, just silence and no response from Supervisor XXXX approximately 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 monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continue list XXXX different collection accounts from XXXX XXXX XXXX on my credit report which are not mine.There is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a collection account from XXXX XXXX systems # XXXX. The address stated on the report is XXXX XXXX, XXXX, Texas XXXX. Phone number XXXX. This was for an XXXX charge at XXXX XXXX XXXX XXXX. I Called XXXX XXXX and they stated I do n't owe anything, my balance is {$0.00}. I also called the collection number and spoke to XXXX. She confirmed that I am not the person they are looking for, but wants me to fax her my ID and social security number. Should I Do it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX, XXXX we, XXXX / XXXX XXXX, received a letter of debt forgiveness for our Home Equity Line of Credit. In which, XXXX, called to verify and proceed forward ( All documents are attached ) We received a the XXXX for XXXX Tax Year for XXXX / XXXX each from Bank of America. 
We are in the closing process of selling the home that is located on XXXX XXXX, XXXX, prior to foreclosure date of XXXX XXXX, XXXX. When the title company for buyer found out that Bank of America has a lien on the house, XXXX has been in contact with Bank of America. Spoke with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Bank of America is stating that XXXX opt out of the Debt forgiveness, when in fact, she did not. 
By our understanding, the letter we first received XXXX XXXX, XXXX is part of the Dept. of Justice Lawsuit and is considered a zombie debt and can not come back for debt. 
In contacting Bank of America, they are now stating that we owe back interest of the amount of {$11000.00}. There has been no contact from Bank of America since XXXX when we were sent the original letter

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 monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is being reported that I owe XXXX money and is reported as me missing the payments every month. These accounts are " charged off " and no longer supported by them. They are not taking communication on them and they were sent to a collection company but there is no information on what company has the accounts on mky report so I can dispute them. These are charges made on my name on a building that I did not own at the time of the charges due to XXXX XXXX not processing the shut off for the leave on for landlord. Per XXXX XXXX these accounts are charged off no payment to them due. Should not be showing any late payments ever on this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputes all the unauthorized/ fraudulent activities in my report. They are not removing the items that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a XXXX XXXX card which, if I pay my statement online, allows free Fico score. 
When I set up my payment this month I checked the Fico score and found that w/o warningit had dropped from near XXXX to XXXX in one month. I have spent 3 days trying to found out whyand have been all over the internet. YES, with the big XXXX! They want you to fill out and givethem everything but your birth certificate and then at bottom near submit button and in fineprint, they want a monthly fee! There is a form you must download and fill out and send inbut I can NOT get a full copy ; I have tried to turn it clockwise, counterclockwise, shrink it ; ETC. 
Still can not get full copy. It may say FREE but you finally give up!!!! I am XXXX years old ; I cannottake this anymore. I just want a FREE credit report!! Oh yes, XXXX of the big XXXX say mycredit report is NOT available online, hence the reason I have tried to get a form to fill out. 
And I need to see a report as I have NOT opened any new accounts, all my bills are paidonline monthly and I have checked my credit cards and do not see any unusual activity. 

PLEASE, PLEASE HELP ME!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX transferred the servicing of my loan. I was XXXX payments into a FHA XXXX payment trial. I have continued to pay my monthly mortgage payment to my new servicer. Carrington Home loans. My previous foreclosure with XXXX XXXX XXXX was supposed to be dismissed once I accepted the Modification. Last week I had to attend a hearing with my private attorney and the XXXX XXXX XXXX attorney. The Judge wants to advance the foreclosure. I am afraid of losing my home during the modification. Carrington mortgage needs to dismiss the foreclosure and get my loan modification completed. Pursuant to the CFPB bulletin XXXX Your agency was concerned about loans being transferred during the modification process and this is exactly what has happened to me. Please help me get this resolved so that I can keep my home. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I 'm filing this complaint because I have been unable to resolve my concerns with my mortgage company about the way the length of time that it consistently takes for my mortgage company Freedom Mortgage ( unfortunately not by choice ) to process all of the payments that I 've made & sent to them on time -- at least 1 week in advance. 

For whatever reason, it is completely impossible for me to contact customer service in any form to try to get an explanation as to why it takes 2+ weeks for my payment to arrive at the payment address supplied by Freedom Mortgage. I am extremely fearful that Freedom Mortgage will assess late fees & cause me to " dispute '' the charges, as they are willfully slow and unwilling to find a proper solution. 

After waiting on hold for nearly 15 minutes this morning, I reached a customer service agent at ( XXXX XXXX XXXX -- the number listed for new applicants. I had to " sneak '' my way into the queue by calling that number since calling ( XXXX ) XXXX as is recommended for current Freedom Mortgage clients resulted in 3 automated hang-up calls this morning, after I entered & verified all of my current loan information. Emails to the only address that I can find, XXXXXXXXXXXX go unanswered repeatedly. I emailed another inquiry this morning & fully expect to be ignored again. 

I simply want to know why the processing is so slow & where I need to mail my payment for faster & more efficient service. I was told this morning by customer service that they use the U.S. Postal Service, and it is their fault for processing delays.

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 2016-02-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
My wife and I were offered a 0 % transfer from a local 5/3 branch on a credit card. ( I was a small business owner in 2010 and put a large amount on credit cards trying to save my company. I just want to clarify that we did not rack up this debt by spending irresponsibly ) When XXXX ( my Wife ) spoke with the representative we were told that we would be expected to pay XXXX a month in minimum payment, which we were both fine with, as we are trying to pay off this debt as quickly as possible. 
Coincidentally XXXX was the first month that we went on vacation in 3 years, putting us in XXXX when payment was due. XXXX called our bank and had our " minimum payment '' plus an extra {$50.00} totaling {$350.00} applied to that card, but the bank put this money on the wrong account, causing us to default on the card, which they froze. We called to clear up the issue and have the funds put in to the correct account, but we were still left in default. This immediately changed our 0 % loan, in to a card with a substantial penalty PLUS interest. 
XXXX has been trying to clear this up with our local branch for over a month and I finally stepped in 2 days ago to see if I could figure out what is happening. 
during my multiple conversations with the payment research team ( who were very disrespectful and taunting ) I found out that in their system, any payment less than {$640.00} a month was considered delinquent. which means that since we received our card, we have been delinquent. 5/3 never informed us of this and the only reason we found out was when we were in the process of pre approval to buy a home, at which point our lender informed us that this card and 5/3 not only have dropped my credit score XXXX points in the last 3 months, but that we were now considered credit risks and no longer able to borrow from anyone unless this is cleared up. I also imagine that our credit rating is also going to spiral downward unless I pay {$650.00} ( plus back fees ) a month plus interest for the next 3 years to these crooks. Since my credit rating is now in the gutter, and no bank would loan me money to get out of this hole that 5/3 dug for us and shoved us in to. 
We will attach files of correspondence and bills with our minimum payment due. 
Through this whole ordeal the people at 5/3 corporate have been difficult and uncooperative, bordering on insulting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Harris Bank electronically deleted a good faith trade line from my credit bureau before the XXXX year law expiration date. After speaking with Harris Bank, BMO on several occasions, I was giving misleading information as to how my credit score plummeted due to Harris BMO deleting a good faith trade-line before the XXXX year law expiration. My score went down from a XXXX score to the low to mid XXXX 's. I would like the trade-line reinserted by the creditor to protect my fair credit rights. My fair credit rights were violated according to the law. Harris Bank, BMO is fully aware of their actions. The initial trade-line was deleted due to XXXX Credit Bureau sending in a frivolous dispute, which I attest to the fact I never disputed. XXXX has sense so far reinserted the trade-line. Unfortunately, XXXX, and XXXX who shared the data analysis from XXXX is not following suit. 
Harris Bank is refusing to reinsert the good faith trade-line, knowing my fair credit rights were violated. It was stated to me by a Harris Bank, BMO employee a carbon copy was shared amongst XXXX, XXXX and XXXX damaging my credit worthiness as well as my credit score. Please investigate this matter thoroughly. Additionally, sending supporting documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Adjustment Service, Inc.
State: KY

Complaint narrative:
I am not certain how the debt collector has obtained my phone number for collection of a family member 's debt. They have called me XXXX times today alone after I explained that I was not the person they were looking for and provided a different phone number for them to call. They are rude to me when I tell them to stop. I am a XXXX, I ca n't have my phone ringing all day in classes, during study time, etc. It 's distracting and humiliating that my phone number is associated with this debt. They wo n't tell me any details about the company they are from. I know they ca n't give details of the debt due to confidentiality. I feel personally attacked and it has got to stop. This is not the first time this has happened from the same number. I usually do n't answer if it is a strange number, but due to my many contacts through school and networking for my future I do not like to ignore a number that calls with such frequency without understanding their intent. My intention is to stop the calls and return to my life. I am in no way responsible for the debt in question nor do I share a residence with this person. I do, however, acknowledge that this person is a family member.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was disputing the information on my credit report without success. So as a compromise, I contacted Fifth Third Bank to settle the debt as paid and full if they deleted it from my credit report completely. The representative I spoke with agreed to settle and delete the account for {$280.00}. I wrote a check for the agreed amount along with a letter detailing our conversation. They received and cashed the check but did not report it correctly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Check Resolution Inc.
State: PA

Complaint narrative:
XXXX XXXX called XXXX times and said he was going to come to my place of work or home to serve me court papers if I did n't call XXXX. I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for XXXX XXXX. He asked why I stopped paying and I said I was on-the-go hospital. He said he would talk to his lawyers to stop any legal action if I paid the bill. I told him I did n't have the money I was behind on things told me to give him a credit card, debit card or prepaid card, no checks to pay the XXXX then set up payment of XXXX every 2 weeks. I asked him for documention and why I never received anything. I have him my email on Thursday XXXX XXXX, he told me his Secretary would send me something and as of XXXX XXXX on XXXX XXXX I still have not received anything. He is supposed to call back on Monday XXXX XXXX to get payment or serve me with court papers. I feel this is a scam and do n't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
To whom it may concern. 

My father passed away in XX/XX/XXXX. I purchased his home from the Estate. He had a Mortgage with XXXX XXXX Bank. I was able to assume the mortgage and have it placed in my name. He also Had a home equity loan with Fifth Third Bank. Fifth Third Bank refuses to place that loan in my name, but if I refuse to pay the loan they threaten to place a lien on my home. I bought the home because it was modified for my father who was XXXX. I to am XXXX, so the home was easier for me to manage. I feel that Fifth Third Bank is blackmailing me. I have asked them to place the loan in my name, but they refuse. So in turn ; I have been paying on a dead man 's loan for almost a year now. I feel this is wrong. Either place to loan in my name or dismiss it. 

Any advice would be appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation