vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I paid off my mortgage on XX/XX/2018. Ditech Financial owes me a refund from the escrow account in the amount of {$2900.00}. Despite repeated calls and inquires and promises from Ditech, I have not been paid. Each time I call I get excuses, lies, and the proverbial run around, but no check. Enough is enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted Experian on numerous occasions and they refused to remove this fraudulent account from my credit file. I informed ( Experian ) that these accounts do not belong to me.

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 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XXXX 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I have been repeatedly contacted at my office which I. Stated I could not be contacted at. XXXX the individual tries to force me to verify personal info social dob etc. says unpaid balance from XXXX XXXX XXXX XXXX collecting for XXXX I send to send letter or contact alt number I would not give personal info. He then said he will contact my employer to have wages garnished. Fairly certain. This is illegal and not a legal payday company or in Florida. Not to mention debt collecting policy etc. these people harass and should be shut down

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 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: KY

Complaint narrative:
I am sick and tired of XXXX  XXXX running rough shod over existing laws for disclosures. They are steering people ( quite illegally ) to their product, instead of truly representing their client and making sure they have choices. There is no disclosure of rate, APR and other required terms in this advertisement and that's just the tip of the iceberg when it comes to what Keller is trying to do. I will not rest until this is addressed and addressed publicly with force!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
original creditor XXXX XXXX ''XX/XX/XXXX '' debt was sold to XXXX XXXX in XX/XX/XXXX I were contacted by mail I responded to XXXX XXXX I asked them to to provide me with proof that the debt were valid they were not able to provide proof they were then sent a letter to to cease futher collections on this time-barred account XXXX XXXX   sold the account to RESURGENT CAPITAL SERVICES I were contacted BY MAIL RESURGENT CAPILTAL SERVICES STATED IN THEIR LETTER THAT THEY RECEIVED AN " INQUIRY '' AND THEY WERE INITIATING AN REVIEW I CONTACTED THEM TO ASK THEM THE LAST TIME THEY RECEIVED A PAYMENT ON THE ACCOUNT AND I ASK IF THE ACCOUNT WERE TIME BARRED THEY DID NOT ANSWER THE QUESTION AND THEY COULD NOT PROVIDE A DATE FOR A LAST PAYMENT RECEIVED AND I TOLD THEM THE ACCOUNT IS TIME-BARRED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX, took out a Home Equity Loan with XXXX XXXX who sold it to Wells Fargo in XX/XX/XXXX, in XX/XX/XXXX, Wells Fargo started to make it very difficult to make a payment of {$580.00}. and would take 2 weeks to post, I contacted Wells Fargo XX/XX/XXXX and XX/XX/XXXX for a copy of the loan documents which I was told in the mail yet never received. I began to notice that my payment was being applied towards unapplied or other charges and inspection fees, I sent in multiple payments in excess of {$1000.00}. and still were not applied. Our divorce Judge XXXX and 2 Attorneys stated loan was toxic as it was our largest asset. I retained an attorney when my ex wife XXXX XXXX XXXX and I were served foreclosure papers. The documents attached were not the documents I signed at the dining room table with only a notary present, in XX/XX/XXXX our attorney was suspended and Wells Fargo swooped in and while Wells Fargo was in contempt and a substitute Judge XXXX did not honor the motion for a 1 hour trial, denied continuance due to tired of attorney suspended excuse ( 3 attorneys were suspended ) and I could not retrieve file box until 3 days prior to hearing and ruled in favor of Wells Fargo who added an erroneous escrow account in the amount of {$67000.00}. I paid cash for the property in XX/XX/XXXX and the loan to value was so low I had an escrow waiver. XXXX XXXX, XXXX did not file an appeal or provide court reporter I requested and paid for. I overpaid Wells Fargo {$15000.00}. the year they foreclosed and provided proof all escrowed items were paid and filed all proof of payments and statements at XXXX   case # XXXX XXXX XXXX, the statements showed a {$42000.00}. escrow overage however after filing for bankruptcy in order to buy time and paying {$27000.00}. In monthly payments, a hearing was held due to Trustee not posting a payment and XXXX XXXX XXXX, XXXX XXXX, XXXX did not show up and were later told he no longer worked there and the Judge XXXX XXXX said to just re file form after I showed proof of payment. I inadvertently filed the wrong form and Wells Fargo is now AUCTIONING my property of 21 years on XX/XX/XXXX with starting bid of {$330000.00}. and changed loan servicer plus added more fees, I am a XXXX year old veteran who will be out on the street when I paid for everything and proved it plus my XXXX daughter and XXXX adults have no where to go after ex wife and I spent everything {$120000.00}. In legal fees knowing we did all the right things, never had a problem before and We paid Wells Fargo, they refused to acknowledge this, never tried modifications as stated, changed court documents after judge signed and are stealing our home.

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 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX has been Posting & Distributing misleading advertisements without proper disclosure. In fact, there are NO disclosures on this advertisement. 
This is one of several advertsisements I have seen lately. 

It seems all that XXXX XXXXXXXX is arbitrarily running advertisements for mortgages and feels they are exempt from Fair Housing Regulations. 

This is DECEPTION at its finest and due to the number of these types of advertisments lately it seems XXXX XXXXXXXX is aware and has done nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
I had hired a law firm to assist me with a loan modification.XXXX XXXX XXXX is very much aware that I am a XXXX XXXX as previously established in court.I was at in residence and left XX/XX/XXXX returning to my travel assignment.I returned to Fl on XX/XX/XXXX.Plane tickets are the proof to find the house broken in, garage door damagedl, door frame broken out.Locks changed.I had to call my attorney to figure out how to get into the house.XXXX XXXX XXXX   retained Altisource who in turn entered the premise under the false pretense the house is abandoned. The electric is on, the mail is being picked up.Salt is being added to the water softener.Altisource has refused to pay for the damages.It went so far their attorneys will not acknowledge the break in.My neighbor and I have filed a report with the XXXX XXXX County Sheriff s Department and the officier I have spoken to stated he would drive to the XXXX XXXX XXXX XXXX Office for his investigation.My other neighbor overheard how Altisource had planned on putting watch dogs in the house.This is customer abuse and harassment.I am requesting financial reimburement for the damages.I had the garage door serviced.Now it will not work.It is impact resistant.The door from the garage to the house is completely destroyed.The lock and door frame are broken out.They left the AC running with the door left open.Found refrigerator and freezer door wide open.I knew something was wrong because of the electric bill.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, On XX/XX/2018, I was in the XXXX XXXX  store, and wanted to pay for my car repair. They told me that we can apply here for our credit card, XXXX XXXX XXXX XXXX, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined.

I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that " we were not able to verify your info with your social security number '' and so it was declined.

So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score. 
I have already contacted XXXX  and they have removed the inquiry from my report.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
Some years ago, I rented a home through XXXX XXXX XXXX XXXX. The lease contained a 30-day termination clause in the event my job relocated me, which is exactly what happened. On  XX/XX/XXXX, I sent written notice to their office in XXXX, GA that I would be vacating the house due to employment relocation in XXXX, GA. 

On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX XXXX XXXX, showing {$1200.00} due. There was a {$1000.00} deposit on file. I made payment for the {$230.00} expecting that they would keep the {$1000.00} deposit, which would clear the debt in full. I have retained a copy of the invoice and can provide it if need be. 
However, around XX/XX/XXXX, Hunter Warfield began trying to collect a debt from me regarding XXXX XXXX XXXX XXXX claiming that now somehow -- {$3200.00} was owed. Worse, by XXXX, with interest/fees/etc. added, Hunter Warfield is now claiming {$3700.00} owed. 

First, I have no idea where the {$3700.00} figure came from. XXXX XXXX XXXX XXXX sent an invoice to me stating that {$1200.00} was the amount due with a {$1000.00} deposit on file. So even if I hadnt of settled the {$230.00}, it is still beyond explanation how the amount could multiple exponentially couple of years. 

Again, I very much dispute ANY debt is owed to XXXX XXXX XXXX XXXX. Since I shouldnt owe anything, I am absolutely flabbergasted that Hunter Warfield is trying to collect more than TRIPLE the original invoice amount from me. And, they are reporting it to the credit reporting agencies as though the initial amount owed was {$3200.00}. I have disputed this debt numerous times and each time, Hunter Warfield continues to verify it as accurate. I can only assume this means they know they are wrong and dont care.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACS Education Services
State: NJ

Complaint narrative:
Back in XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft, I have charges from a student loan that were not mine, they told me that I owe them {$10000.00}, and I do not, I have long since disputed the charges on my credit report, they closed one account, the name of the company is ACS and XXXX, it's been difficult cause I have been calling them and letting them know it wasn't mine, I paid back one that I got from the University XXXX XXXX, it was only {$1700.00}, the rest resulted in erroneous charges that came out of nowhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have spoken with multiple reps from XXXX XXXX who purchased my account from XXXX XXXX. I have received phone calls prior to XXXX and after XXXX. I have asked them not to contact me regarding this matter being that I have no contract with them. This month, after receiving numerous phone calls at all times of day and night from auto-dialer numbers, I was transferred to XXXX XXXX, who was not available. I proceeded to speak with a young woman referencing the account and explained to her that according to their policy, consumers that exhibit unforeseen financial or medical hardship can have collection actions ceased and the account removed. I also explained that I had a change in employment in XX/XX/XXXX-XX/XX/XXXX that caused financial hardship. As of this year, I have had several health complications and have had to take on the responsibility of caring for my aging parents : one with mental health issues. This coupled with my own medical issues, has created drastic financial strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello, I would like to file a formal complaint against Wells Fargo Bank. Less than a year ago, my husband and I purchased a foreclosed home from Wells Fargo Bank ( they are listed as the Seller on all of our closing documents ). We were informed that the home came with a home warranty up to {$1500.00} maximum for repairs only. When we tried to use the home warranty for a crack in the foundation that grew significantly bigger over the months ; Wells Fargo stated that they could not identify our home warranty and that a home warranty did not exist. 

It was extremely frustrating because we have contacted the Seller 's Real Estate Agent and he instructed us to contact Wells Fargo. For days we called Wells Fargo and no one could provide a definite answer regarding the home warranty, advice about who to contact or anything. We even contacted Wells Fargo 's Customer Service, Asset Managers, and the Executive Headquarter Office and all we received as an answer was that " someone would contact us ''. No one has contacted us yet. The information that a home warranty accompanying our home is fraudulent and Wells Fargo states that they don't not know anything about it. 

The mortgage is not through Wells Fargo. Wells Fargo sold us the foreclosed home and is listed as the Seller on our Closing Documents. 

Your assistance in looking into this matter will be greatly appreciated.

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 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
We were in the process working with XXXX on getting a loan modification. Uniform Borrower Assistance Form was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX We received a Here to Help letter from Bayview Loan Servicing, saying they understand financial circumstances may change affecting our ability to pay our mortgage and they want to offer assistance in case we are unable to catch up on missed mortgage payments. Options provided to keep our home include modify our mortgage, a Uniform Borrower Assistance Form was sent along with this letter. We did not send in any documents at all at this time. 
On XX/XX/XXXX we received and " official '' letter saying our mortgage loan was transferred from XXXX to Bayview. Also on XX/XX/XXXX we received a letter saying " Thank you for sending your application for Loss mitigation> " This letter confirms ore receipt of documents requested in your Initial Package Request '' ( We did not send anything ) and instructions to Submit documents. 
On XX/XX/XXXX Letter noting our dedicated point of contact and instructions for how to apply UBAF.  And HAMP info. On XX/XX/XXXX, Letter saying they are using the UBAF documents from XX/XX/XXXX sent to XXXX and are being reviewed. On XX/XX/XXXX Letter saying Loss Mit. app is incomplete and needs form XXXX and must be submitted by XX/XX/XXXX. 
On XX/XX/XXXX ( before missing form was sent or received ) Letter received saying we were APPROVED FOR TRIAL MORTGAGE, the new monthly cost is XXXX ( which is lower by only XXXX ) I did call our point of contact to discuss the amount and see if we could re-file our UBAF because there was a significant change in our financial circumstances, His response was " Bayview is UNABLE to consider this request because The XXXX XXXX Flex Modification Trial Period Plan we have been approved for and currently making payments on ( we are not making any payments at this time ) offers the best available terms to us. Because the new Investor who owns this loan uses " The Waterfall Ranking Method '' and will deny any Foreclosure Prevention Options. Because our Loan has been approved for a Trial Period Plan this results in a denial for any other Foreclosure prevention Options Ranked below the option we are eligible. 
On XX/XX/XXXX Letter received again saying we have been approved for a Trial Plan. I called point of contact again expressing our concerns and he basically said if we do not make the first Trial Payment on or before XX/XX/XXXX Bayview will begin to FORECLOSE. 
On XX/XX/XXXX Letter saying Bayview " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' So it seems t us we Have No Recourse, No Options to Discuss and No Opportunity to Prevent FORECLOSURE from Bayview. 

IS THERE ANYTHING WE CAN DO?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: IL

Complaint narrative:
no APR mentioned, deceptive marketing of discounts without full disclosure.discount for closing not available for lower purchase price which prohibits lower income buyers.

Company response to consumer: Closed with explanation