vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I called and spoke with a CFPB Representative on XX/XX/XXXX regarding the above complaint filed with CFPB. We spoke at length about my problem with a Reverse Mortgage Agreement entered into with Wells Fargo Bank in XX/XX/XXXX that was transferred to XXXX XXXX the first of XX/XX/XXXX. At the time of Initially applying for a Reverse Mortgage through Wells Fargo real estate representative XXXX XXXX, located in XXXX XXXX, Idaho, on or about XX/XX/XXXX, I went through a training session with a Community Action representative in XXXX, Idaho, in order to acquire the loan. Before the loan could be implemented, the training certificate had already expired. I had gone to California for a visit. Wells Fargo was in a rush and required me to sign the loan in California, though the property was in Idaho. They sent a notary to my friend 's house to get my signature on documents, who failed to show me the details of each page I was required to sign. Though the home I own is on five acres, in the process of acquiring this loan on my home, I was goaded into providing an additional parcel of land of another five acres. This additional land is a separate tax entity and is not included in the tax payment on my land. Regardless the loan documents were drawn up to include 10 acres. Taxes are always paid as a separate entity. The appraiser appraised my home and verbally told me the appraisal was {$370000.00}, an appropriate amount of the reverse mortgage was never funded, and the additional amount of land Wells Fargo would own was tacked on later. I endured the situation through the recession, but near the end of XX/XX/XXXX Wells Fargo notified me that another company, XXXX XXXX, would be taking over my reverse mortgage.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter by mail on XX/XX/2018 to dispute information on my credit report to Equifax. Equifax has not responded in any way. I can not access any information at all from their website. It always states, " Your information does not match our records. '' I sent Equifax a copy of my driver license, a copy of my social security card and information regarding the dispute in question. This is the 3rd or 4th time I have disputed this item on my credit report. Equifax typically sends me an email with the results, but will not let me log into the website. The website perpetually says, " Your information does not match our records, '' Even though I am answering all of their questions accurately according to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
This card was paid off in XX/XX/2014 and then someone used it and made fraudulent charges on it then defaulted on it I am part of the XXXX data breach.i am not responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1.Account was paid off by Gap insurance but company lost the necessary document

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 2018-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have 2 issues with this company. # 1. I called and advised them I completed an economic hardship deferment online. I was asked/advises on the form to upload my pay stubs. This was performed online through their website. I am requesting a letter stating they gave me the deferment based on what I submitted through their website. Now, a rep is telling me they dont show it. I called when I finished it and the IBR application to say I had uploaded my pay stubs twice one for each to make sure they got it. I requested it back through XX/XX/XXXX to bring my loan current. How do you lose something that is on your website? Where you have to complete it online. I am so confused. I wanted a letter stating my loan was brought current back through that date to not reflect the XX/XX/XXXX late on my credit as I put the request in. I was not provided a letter of denial, but just told my loan was now due to XX/XX/XXXX. Which I assumed was due to the hardship because I hadn't received any info regarding the IBR yet. Then, later on I was advised of my payment amount. The initial letter received about the IBR had incorrect/inaccurate data that had me confused upon reading it. Again, how do you lose something completed through your very own website? 

# 2. 
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note credit bureaus are required to bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I dont reflect nelnet, XXXX and XXXX are bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
se told me we were in Underwritting. I was told they had all Letters and DOCS, and were in the hands of the underwritter. I was told 2 weeks and I would have an answer.Next thing I know XXXX calls and tells me that they now have my mortgage I find it sad that Chase played me the whole time. They kept finding reasons for delaying the final answer. Chase wasted 2 months. They could have had the whole thing wrapped up. But, They wasted my time. Now pretty much I have to start the Mod all over again. Wasting time seems to be Chase 's thing. Now I will have to begin the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Qualey Law Group, Inc.
State: NV

Complaint narrative:
I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from XXXX  XXXX XXXX in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX and now XXXX XXXX XXXX   are suing me through Qualey Law Firm in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
I took out the loan on XX/XX/XXXX. I was told at the time of the sale by the dealer and the finance company told me the same thing that I could refinance after 12 months of paying my payment on time. Not true. I would have never signed any paperwork at this amount knowing that I couldn't get a lower interest rate. I have completely struggled to pay my car payment over the last 4 years. I finally got my credit score so that I could trade it in but over the last few months Ive been in a traumatic apartment rental. I never received any paperwork about my car being reposed in fact the day before it was repoed I got a rehabilitation email saying they would work with me so that I could keep my car. They never gave me a chance to respond because the car was taken a few hours after I got that email. I called about how much I need and the first amount I was told was XXXX then I got paperwork dated XX/XX/XXXX and the amount was XXXX then I called again just to see what I would be told and it was XXXX. On XX/XX/XXXX I called and requested them to email me the amounts and was emailed another customers load paperwork. I called to alert them and at first I was told that they don't make mistakes like that but then I started reading it to them. They took the account # and asked me what I was going to do about it. This morning I called the New York State Attorney General 's office and they told me that it is against the law what they have done. But my question is that can not guarantee that they sent the other person my paperwork. I have asked for the return of my vehicle, the derogatory marks off of my credit, and forgiveness of the remainder of the loan. At first they were going to return my vehicle and refinance my loan, but my payment didn't change and I still owe 24 months of the loan. My privacy has been violated and they act like it's nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been disenrolled from recurring monthly payments a number of times without being notified. My account has then been at risk of having a late payment. I have re-enrolled and again am disenrolled. Now the bank has removed the possibility of doing recurring payments on my mortgage account which is ridiculous and probably fraudulent.

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 2018-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from Bank of America in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX  and now XXXX XXXX XXXX   are suing me through XXXX XXXX XXXX in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filing this complaint, Equifax, XXXX, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filing this complaint, XXXX, XXXX, and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!

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 2018-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas  resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas. XXXX hasn't produced info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BlueChip Financial
State: CA

Complaint narrative:
On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America on XX/XX/XXXX and asked them to close the account. Bank of America did not close my account and on XX/XX/XXXX I was charged {$59.00} annual account fee.

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 2018-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This case started in XX/XX/XXXX when I received a bill from GM Financial ( Acct # XXXX ) stating that I owe a Miscellaneous Receivable of {$90.00}. After calling GM Financial and asked for explanation, I received a copy of a collection bill from XXXX XXXX XXXX, XXXX from GM Financial ( Exhibit A ). After receiving numerous bills for the {$90.00}, I sent a letter to GM Financial ( Exhibit B ) dated XX/XX/XXXX requesting validation per Fair Debt Collections Practice Act. GM Financial continued to ignore my request by sending more bills in request of payment of the {$90.00}. To avoid any negative marks on my credit report, I paid it. Now it is XX/XX/XXXX, and GM Financials process has started again. In XX/XX/XXXX, after a phone call asking for verification of a {$230.00} Miscellaneous Receivable bill, I received a package from GM Financial of three statements from XXXX XXXX XXXX, XXXX totaling the {$230.00} ( Exhibit C ). On XX/XX/XXXX, I mailed a Certified Letter to GM Financial asking for validation of their validation process ( Exhibit D ) in relation to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. As a result, I received a regular bill dated XX/XX/XXXX stating a Miscellaneous Non-Taxable bill stating the same {$230.00} and no explanation to certified letter sent ( Exhibit E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX/XXXX i never heard of them or have I done any business with them.

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 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Filed dispute with credit bureau with proof, disputed items was deleted from XXXX. I was denied housing, and received a copy of the furnisher of such recent derogatory reporting. Upon receipt of my credit file I noticed XXXX XXXX continuous updating of erroneous derogatory information to reduce my score, Experian will not allow any further disputes from me via web based on what XXXX XXXX says is correct. 

XXXX XXXX is aware of my dispute regarding fraudulent charges statement paid to a 3rd party without my authorization for savings account in their records posed as an auto loan. Please be advised I was not a member of XXXX XXXX which is a financial institution for teachers employed in XXXX   County, Virginia.

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