vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount. 

Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis. 

The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has been notified several times that the cosigner ( father : me ) wishes his name to be removed from legal obligation on the contract of my son 's college private loan. The loan in question is dated XXXX/XXXX/XXXX with an outstanding balance in excess of {$8000.00}. He graduated in XXXX, XXXX and has met or exceeded his payment obligations every month since then. He is now married and has a joint income of more than {$120000.00} ; his personal income exceeds $ XXXX/annually. Clearly, he is able to meet his own obligations relative to educational loans. 

I have contacted American Education Services ( AES ) numerous times. AES contacted XXXX in XXXX, XXXX and in XXXX, XXXX, and XXXX, XXXX. All contacts have received no responses. 
My complaint is with XXXX. Not with AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: TX

Complaint narrative:
I did n't really know which option to select. The company, key2recovery, began calling me several times a day earlier this week. I received no written notice of a debt and, when I called to see what this was in regards to, found that they were attempting to collect on a time locked debt that is several years past the statute of limitations. 

Much more troubling, when they " verified '' my information, they read out the last four of my SSN and my date of birth and asked me to say yes or no as to whether the information was correct rather than asking me to provide this information. I am VERY uncomfortable that this organization is providing my personal information over the phone after I provided my name only ( which is n't even my legal name any longer ). They left the name on my voicemail, meaning that, if I had changed my phone number in the past 10 years, any random person who had been left this message could have called back, provided the name from the message, and been provided my SSN and DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX/XXXX  :XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I have called each credit agency as well as creditors and nothing has happened

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 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After numerous attempts to modify my loan I was turned down by Wells Fargo in XXXX. My last alternative is to short sale the home which they are blocking me and denying my ability to short sale the home. I received a phone call from XXXX XXXX this morning XXXX saying that the reason given for the short sale denial is given my past denials for loan modification? Additionally she stated that the senior vice president of wells fargo stated on XXXX not to approve me for a short sale. 

Previously, 3 times Wells Fargo had placed my loan in a short sale without my knowledge. No timeframes no notices were given to me and when I called to find out what was going on, they said the time was up. I then proceeded to request the notification which is mandatory that my loan was in a short sale, from Wells Fargo. They could not produce the letter. moreover I was speaking with the collections department who was masquerading as the short sale department and hung up after I was on hold for an hour. I reported this behavior to XXXX XXXX in the Office of the president. He said he would look into the matter and listen to the telephone calls. 

Now I am faced with an excuse I ca n't wrap my mind around. I complied with what they told me and submitted every requested document. This request for a short sale originated from Wells Fargo. The request to send the offer in 40 days before the sale date was fulfilled and they called back and asked for additional documents which I complied with and then I get the call this morning. This is all coming from " the re-entry department ''. 

This is my last alternative to foreclosure and I understand the basis of denial. Was I not to apply for a loan modification previously? 

I have a buyer ready to purchase and a back up offer ready to go. Please help me not to loose my home to foreclosure.

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 2017-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CASHCALL, INC.
State: CA

Complaint narrative:
In XX/XX/XXXXI made the mistake of contacting CashCall for a payday loan. After years of debt payments, I was able to replay the loan in XXXX. I requested payment confirmation at the time, it was never sent to me by CashCall. 

7 years passed, with no letters, calls, etc. 

Yesterday morning, they were somehow able to withdraw {$3500.00} from my checking account as a " collection action ''. I know they are currently in court ( with the CFPB I think ) for illegal actions just like this ; what can I do?

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with Discover. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: TN

Complaint narrative:
NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Toll Free Fax ( XXXX ) XXXX ( XXXX ) XXXX I received a notice from XXXX on XX/XX/XXXX. NCC is actively seeking to collect a debt of XXXX dollars placed by a manager of XXXX XXXX XXXX XXXX/XXXX against me. However, I have called the manager and found out this debt is a mistake on the managers side. In other words, the debt of XXXX dollars is invalid. The attached email discussion is the written proof that this debt is invalid and the manager did request NCC Business Services , Inc. to remove the account of collection on XX/XX/XXXX. Such request of the manager is the manager 's second attempt to contact NCC and correct the mistake. In addition, I also disputed the validity of the debt via mail and fax on XX/XX/XXXX. In the certified mail and faxed materials, I attached the same proof to establish that the debt is invalid. 

However, I received another mail against my dispute from NCC on XX/XX/XXXX. It is obvious that as of XX/XX/XXXX, NCC is still actively seeking to collect this false debt of XXXX dollars which was mistakenly placed under my name, in spite of the original creditors and my efforts to correct the mistake. The enclosed information NCC sent in that mail was both outdated and probably from the managers initial mistake without any reflection of the original creditors and my efforts to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with Capital One. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my credit account without informing me the reason of the closure. Since I accrued a significant amount of cash rewards ( over {$10000.00} ) and they are suppose to be automatically redeemed annually, I was informed by their agent over the phone that all rewards accrued are forfeited without providing me an option to redeem 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 2017-10-26 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: CITIBANK, N.A.
State: NH

Complaint narrative:
I have 2 credit cards issued by Citibank, a Sears card and a Universal XXXX card that was originally issued by XXXX XXXX XXXX. I contacted Citibank 3 times on each card, attempting to close these account, both of which have a XXXX balance. They have yet to close these accounts, in fact I just received a " new '' card on the Sears account in the mail. It has become very frustrating trying to deal with this company - they intentionally hide links to close accounts and send consumers on a wild goose chase telling them they have to call a different number. I just got off the phone and this time they told me that the " new '' card I received today ( XXXX XXXX ) was sent to me on XXXX XXXX - 2 months in transit - I just can not swallow that. Citibank needs to be held accountable and when a consumer wishes to close an account, it should be easy to do so and completed in one call.

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 2017-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am a co- signer on a loan that occurred in 2007, when the company was freely giving loans and using deceptive practices in regards to the for-profit schools. I was receiving calls at my home some days up to 28 calls. I am gone during the day to work, and provide a machine for message. I have been abused by the callers. I should have been released from this loan years ago, however that was never presented as an option. 

There was one call that was over the limits of harassment. The lady was scolding me and belittling me, as if she was a parent talking to her child. The call was so upsetting to me. She asked harshly if I paid any of my bills. Did I pay my car payment, Did I buy groceries, If I did this, then why I did n't pay this. I was in tears at the end of the call. I was abused by this call!!! 

The companies response to my complaint was tell us what time and date did the call occur, so that I they could check on it. I have n't been able to supply that, but a company, worker by the name of XXXX XXXX admitted that the call was listened in on, by a superior employee and went to speak to that employee after the call. 

This shows the company lied to us all the time, and deceived us about the call. They should have record of the call, if the employee was repremaneded right after the call. XXXX XXXX apologized for the treatment on behalf of the caller. I would think that the company would want to help get these loans paid, but they do n't seem to want it paid. They always suggest forbearance, so they can get more interest out of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?

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 2017-10-26 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: GA

Complaint narrative:
I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received call with local area code : XXXX. Recorded voice indicated that the call was to address a problem with my current credit card and this was my last chance to correct it. I spoke to a representative, who identified himself as " XXXX '' with employee number XXXX. When I asked him to identify the business from which he was calling, he paused and then responded " nothing ''. I believe he had previously mentioned Chase Bank during his opening salutation, but he also mentioned XXXX and XXXX Card, and possibly XXXX XXXX as well. I tried to figure out why they were calling me despite being registered with Do Not Call but he began to make nonsensical responses. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: MB FINANCIAL, INC.
State: IL

Complaint narrative:
I have 3 different accounts on my credit that has been closed out for awhile now and it still shows on my credit I would like for them to be removed. The companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been in contact with all 3 companys and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
1. Wells Fargo has stated the XXXX XXXX account XXXX has closed per their own guidelines on accounts suspected to have been opened by someone else other than the named person. 

2. Wells Fargo 's identity verification system flagged my application in the beginning because my SSN was issued after the SSA went to a randomized numbering system. 

3. Wells Fargo 's system is discriminatory because it is not up-to-date to deal with these new SSNs. Essentially, Wells Fargo discriminates against new immigrants and will eventually discriminate against a new generation of citizens who were issued SSNs after the number randomization. During the first few calls to Wells Fargo, they asked me where my SSN was issued, which it was issued from Illinois, but the number itself ( based on the older SSN numbering scheme ) would appear as issued from New York. So, I failed that question which led to Wells Fargo requesting my SS card to be sent via fax ; which I had to send multiple times due to Wells Fargo 's inept and inefficient methods in their offices. 

4. Wells Fargo is no longer a reputable banking institution because of their fraudulent and discriminatory actions. 

5. Wells Fargo continues to send me documents and statements about this account despite them stating they do not believe I am the person who opened the account. 

6. Wells Fargo, during a call on XX/XX/2017 on/about XXXX XXXX ET, refused to remove the account from my credit profile and refused to remove the credit inquiry. 

7. The action outlined in item # 6 is illogical if they truly believe the account was opened by some other person.

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