vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My home was foreclose on XX/XX/XXXX, I have attempted many times over regarding modification process, from the time XX/XX/XXXX until the time of foreclosure, I have reach out to the office of the president at Wells Fargo, and yet they refuse to grant modification program, I have file complaint with XXXX onto no unveil, Now my family is living in the streets because there is no remedy, I was denied Modification because wells Fargo On XXXX XXXX, a routine regulatory report submitted by Wells Fargo contained a startling admission : A review of the bank 's internal systems had revealed a calculation error affecting hundreds of struggling homeowners who had applied for mortgage modifications between XX/XX/XXXX and XX/XX/XXXX. 
Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... 
As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. 

It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.

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 2018-08-10 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:
On XX/XX/XXXX I called XXXX XXXX, Equifax, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. 

I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. 

After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. 

One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. 

Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. 

I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. 

I immediately paid off the past due amount. 

I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. 

I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called trans union, XXXX, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.

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 2018-08-10 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:
On XX/XX/XXXX I called XXXX XXXX, XXXX, Experian to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.

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 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have had issues with PNC bank regarding overdraft fees since I first opened the bank account in XXXX. I have below dates and total dollar amount taken from me since XXXX. It has been a lot more than this prior to XXXX but information is not easy to obtain. it would cost me {$5.00} per statement just to obtain every overdraft fee. I have been in contact with PNC on an every week basis and I am always fighting with them some times on social media on XXXX. I was unable to obtain any reward from the previous class action against them as I was a year too late. I am willing to pursue a new one if this issue does not resolve itself after this complaint. Overdraft fees hit on my account might into the thousands.

( 2 ) fees from this time period may have been refunded since this time period but all else stands. Please see below every overdraft fee since XXXX : XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} - {$5.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$30.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$66.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$100.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$130.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$170.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$210.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$240.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$280.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$310.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$350.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$390.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$420.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: KY

Complaint narrative:
I have received a second debt collection letter from a second collection agency for an outstanding bill from XXXX. I have never had any service or product from XXXX, and XXXX has never provided service in my state of residence. The latest collection letter from Afni , Inc. is dated XX/XX/2018 for an unpaid bill of {$850.00}, offering a settlement amount of {$550.00}, and also threatening to report this debt to credit bureaus, if not paid in full. I have called Afni, today XX/XX/2018 to inform them that I do not owe money to XXXX, and have never had any type of interaction or service with this company. In speaking with a representative, I was told that the original bill was incurred at an address in Florida, a state of which I have never resided or visited. My main concern is that this is the second collection letter, which I have received for a bill with XXXX, and wanting for these letters to cease. I am a senior citizen, and believe that I am being targeted with these types of letters demanding money, and with threats of having my information sent to credit bureau agencies, which will further ruin my credit. 
I plan on sending a letter to XXXX to insist that, they discontinue using my name and current addresses as a tool to collect unpaid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC
State: PA

Complaint narrative:
Auto loan opened in XX/XX/XXXX. 
Car repossessed in XX/XX/XXXX. 
Letter sent in XXXX or XX/XX/XXXX stating that the car was sold at auction and balance was reduced by {$6000.00}. 
Loan appeared on credit report twice, with two different loan amounts and dates. The one with the lower balance was eventually deleted. 
I've been trying to get in touch with the company to work out a payment plan, but nobody answers the phone and they will not return my messages. I want to see that the amount is correct for this loan. It's still showing as an open account and new missed payments are still appearing on the account. They're still charging me interest on this loan. I filed a dispute to try to gain information on this loan, it was denied. I filed another dispute with XXXX this morning, again to gather more information on this loan. The total amount I'm being held accountable for now is roughly {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I have written several certified letters To ( Ability Recovery ) requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. which they claim ( I owe them {$1600.00} ) Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2018-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
My mortgage was sold to Rushmore Loan Management Services, in early 2018. Since then Rushmore has not paid any insurance which they hold escrow for. In XXXX my homeowner insurance was cancelled until threats were made that if not paid further action would include legal action for non renewal increase of over {$2000.00}. Now as of XX/XX/2018 my Federal Flood insurance has expired due to non payment, this too is escrowed by Rushmore, and Flood Insurance is required by FHA. Rushmore has been sent via FAX and USPS notices dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018. These notices were sent by my agent and carrier Assurant ( XXXX XXXX ) for XXXX. In addition my agent called Rushmore three times to try to expedite. 

Rushmore loan number XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Help please. 
XXXX Property is located in XXXX VA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
IN REFERENCE TO THE COMPLAINT XXXX The Citi had responded with a letter that is not clear and didn't mention the result of the claim Credit Protection Membership for XXXX Account Claim Number : XXXX ; Instead the letter indicates that I was qualified for a hardship program with no details, balance or breakdown information in regards. 

They have requested a lot of paperwork and I have spent a lot of money collecting the requested paperwork and certified email and they didn't respond yet. Attached the letter they sent and previous letters I have sent to them by mail and fax. Before that it was a lot of correspondence to another divisions they instructed me to sent the paperwork as well. 

The purpose of the insurance was to protect the balance of the credit card, then I was evicted and I had many financial and health struggles to this day and this company after charging {$100.00} per month in the insurance, is now avoiding the application of benefits, and did not provide a direct answer. This program and services are very deceptive. 
XXXX Previous COMPLAINT XXXX background details : I notified Macys Customer Services since XX/XX/2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having XXXX XXXX and XXXX   XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security XXXX ), leaving here and there without home and looking to move forward with my financial situation.

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 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Accounts Service, Inc. (Indiana)
State: AR

Complaint narrative:
COLLECTORS KEEP SKIP TRACING MY CELL TRYING TO COLLECT FROM FAMILY MEMBERS. CALLS FROM XXXX XXXX COLLECTR FOR PROFESSINAL ACCOUNT SERVICES , INC PRESIDENT NAME XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Webcollex, LLC
State: TX

Complaint narrative:
On XX/XX/2018 this company called me at XXXX XXXX central time. The person on the phone was laughing with someone in the background when I answered. They asked for me. I told them I was XXXX and asked them why they were calling me at XXXX XXXX. The person in the line then disconnected the call. I called the number back immediately and asked who they were and why they were calling me at XXXX XXXX. She said they were XXXX XXXX and asked if I was XXXX XXXX. I told her I was and again asked why they were calling me at XXXX XXXX. I was angry and yelling when I said this so the lady told me I could talk to them later she wasnt going to talk to me and hung up. I called them back again and got a person named XXXX. I asked XXXX why they were contacting me and why they would do it so early in the morning. She asked me if I was XXXX XXXX I said that I was and asked why they were calling me. She said they weee calling to collect a debt. I asked why they would call that early in the morning and what debt would they be collecting. XXXX tried to say they never called me this morning. I told her that was a lie and she was the third person from her company I had spoken with this morning. I then told XXXX to remove me from their system and never contact me Again. I told her I have call logs of her company calling me multiple times a day sometimes 9 times or more and with the calls now being before XXXX I want no more contact from them at all. She told me she would remove me from their system and ended the call. I will be filing multiple complaints because 30 min after this call and her confirmation she was removing me from their contact list. I was then called AGAIN by this company.

Company response to consumer: Closed with explanation