vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I got paid this passed Friday XX/XX/17 and I 've been trying to use my app XXXX to cash out from my next check but they 're stating that my bank info is n't being sent to them. Im aware that my account is current but for some reason they ca n't access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit System is trying to collect debit that I do n't owe them ... I never heard of this company nor have I ever did business with this company.I have never signed a contract with this company or have any kind of written agreement with this company ... I tried to dispute this several times along with proof or validation of this account..They look to have been reporting on my report or opened XXXX XXXX,2014 in  the amount of {$1700.00} ... I would like to have them removed from all 3 major reporting agency ( XXXX, XXXX and XXXX ) ... This is embarrassing to my report and hinders me from pursuing my dream of being a home owner ... Thank you guya for doing what you do!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I, the Consumer, was made an offer from American Express Gold ( AEG ) Credit Card ( CC ) ; Subsequent CC was approved on the above-mentioned date and rushed delivered. After 30-days of usage and 'timely paying in full ', I made inquiry into the Credit Reporting process. Subject Credit Card Merchant informed they would make credit reporting available for subject card after 2-billing statements have closed. Two billing statements have closed and as of XX/XX/XXXX, no credit reporting for this CC has occurred. This Consumer has 2-active open CC 's with said merchant and both are in 'good standing and never  late '. Not reporting this card does not legitmately provide accurate, correct information on the consumer 's credit report in terms of history, balance, and credit availability in a timely manner ( as promised ) ; Thereby, alternatively suppressing the Consumer 's FICO Scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.

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 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I refinanced our home in XX/XX/XXXX and we received a 6.50 % interest rate with Wells Fargo and after facing financial problems caused by a curtailment of income, we sought a loan modification in XX/XX/XXXX to request to lower the interest rate to the conforming rate of 3.75 % or lower such as 2.0 % for a specific term. We applied for a loan modification through the Making Homes Affordable Program ( HAMP ) and we were denied in XX/XX/XXXX because Wells Fargo could n't verify all of our information that we submitted. We resubmitted the documents to Wells Fargo and after a long review, we were denied again in XX/XX/XXXX due to Net Present Value. The denial provided data that we did n't agree with such as our home having HOA dues/fees of {$69.00} a month and the household income was n't calculated correctly. We appealed the denial and were denied the appeal process because of NPV evaluation. Wells purported that because a " drive-by '' appraisal was used to determine the value of our home at {>= $1,000,000} against an unpaid principal balance of {$780000.00}. Wells has never completed an interior/exterior appraisal as our home requires at least {$250000.00} in upgrades and our own appraisal valued our home at {$920000.00} " As-Is ''. However, when we checked our NPV using XXXX, the website said that we qualified and may be eligible for a loan workout. Hence, the first time we checked the XXXX  website in XX/XX/XXXX we qualified for a HAMP loan modification because our principal balance was below the {$720000.00} limit. In California, the statute for NPV in a mortgage application for a loan modification is Cal. Civil Code 2923.6. It states that the anticipated recovery for the investors must be more than the initial loan modification. A foreclosure on the property will get about {$800000.00} and after attorney costs, fees etc., the investors would net around {$750000.00}. However, a loan modification would generate Principal & Interest payments of {>= $1,000,000} through maturity. Thus, Wells is non-compliant to California law and to the date on the federally mandated XXXX tool on the making homes affordable website. Although our balance is over the threshold, if we provide the UPB before the modification amount as illustrated on the XX/XX/XXXX denial letter, we qualify for a loan modification. However, after submitting the positive results to Wells Fargo on two different dates ( in XX/XX/XXXX and XX/XX/XXXX ), Wells still denied our loan from being modified

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 2017-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have consolidated with XXXX XXXX that turned into Navient. I have been paying on their based on income, which is OK. The problem is that the interest has jumped to XXXX dollars since the loans have been consolidated. Now answer this question how are I ever going to pay this back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax to dispute the collection ( {$490.00} ) XX/XX/XXXX- Submitted online dispute to Equifax ( {$490.00} ) XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax that neither collection agency had verified the collection ( {$490.00} ) XX/XX/XXXX- Submitted another online dispute with Equifax ( {$490.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have deposited XXXX dollars in my SunTrust Bank account and days later SunTrust allowed multiple fraudulent transaction on my account taking all my funds and my account from my previous deposit ... .I believe SunTrust had a part of this fraudulent activity due to the fact after I reported it they still held on to my funds denying me access .... including my stolen identity of my government issued ID and social security card! I spoke with a supervisor and executive team and they all are withholding me from. My fund 's including engageing in this fraudulent activity

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This involves a company called XXXX XXXX. They provide internet services. XXXX XXXX has a package deal including their services. I initially signed up for that package because the only cable internet company in my area keeps raising rates because they have no real competition. The day of instillation comes, XXXX XXXX shows on time and does everything they need to do. I call XXXX XXXX twice confirming that they were coming, they said yes. 30 minutes after the projected time was over the technician calls and says he needs to reschedule. That, luckily, was my only day I could stay home. I decide to call both companies and cancel the XXXX XXXX half of the bundle deal. After a lot of headache I get it canceled and I decide to keep XXXX XXXX, since they already installed. Fast Forward about a year later I get a bill from a collection agency saying I owe XXXX XXXX XXXX. The collection agency says it 's " early termination fees. '' And they were fighting with me that I had a verbal contract to pay the money. XXXX XXXX is saying they paid that much to XXXX XXXX on my behalf. XXXX XXXX is saying they never received any money from them. All are blaming each other. But I do n't own any money. I never had any services from 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 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Collection Information Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me -Signatures on applications and accounts -Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc
State: AR

Complaint narrative:
The categories you provided were not entirely accurate or descriptive. This complaint is against XXXX XXXX, which provides billing services for health clubs. Look online at ratings and you will learn all you need to ... a litany of 1 star reviews. In my case, the expiration date on my credit card changed. I received a text message from XXXX informing me that the charge for my gym membership declined. No problem. I called within 5 minutes to update the information when they informed me they were charging me a {$20.00} fee for the declined credit card transaction. There is no cost to the company for a declined credit card transaction and I have never, ever seen a company that charged for that purpose. I ca n't recall any other company where I even need to update the expiration date but, if I do, there has never been a fee for anything related to that. Given I signed up for my gym membership a long time ago and have no communication from them or XXXX at any time related to my payments, to billing, etc. there really is no practical way for me to be aware of any issues. In addition, I would n't have known XXXX   was the place to contact as my gym name appears on my credit card statement each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
We have issues with our mortgage company. Our payment is always changing. On XXXX XXXX we received a letter showing that there is a shortage of XXXX. These payments were to start on XXXX to XXXX. Every month adding XXXX to our mortgage payments. Our payments are XXXX my payments were behind according to them. My bank pulled all the information on my mortgage. So I have cancelled checks and bank statements that show we did make payments. We are no way 6 months behind, maybe 2 payments. They have us being 6 months behind reporting at the credit bureau I have made out a application for a modification, but, I do have equity in my home, how would that work using the equity of my home Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX.  According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had a dispute with a Banana Republic credit card. I believed that they charged me twice and the amount on the card was in dispute. However, they did not notify me when they were done investigating and the amount went back on my card without my knowledge for a few months. They have now reported that to the credit bureaus, but I was unaware that it went back on. As soon as I was aware of the investigation results I just paid the amount. I still believe they charged me twice, but I did n't want this to keep happening.

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 2017-06-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
Moved shortly after purchasing new single wide and sold house back to company. Company even sent a check for the difference. Now on my credit report as a voluntary repossession which is not correct. No amount should be owed especially if company sent check after moving the trailer. Vanderbilt mortgage gave us no issue during transaction yet when checked credit report it 's now down as a collection which is terribly impacting my credit report inaccurately.

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 2017-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away

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 2017-06-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal continues to contact me about payments to my account I have a certified letter on file with them about contacting me about payments. I make my payments to them monthly even if I have a late fee I pay that. I have been out of work since XXXX 2016 yet I still make my mortgage, Auto and XXXX payments to them every month. I have filed several complaints with CFPB about this same issue. One was completed just this month where Navy Federal again apologized for ignoring my certified letter that I have on file with them. I called Navy Federal and ask why they were still harassing and the representative stated that they should not be contacting me because it is highlighted on my account not to do so yet they are continuing to contact and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.

Company response to consumer: Closed with non-monetary relief