vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
I am seeking your help to resolve my problem with Seterus Inc before my home goes into foreclosure. 

In XX/XX/2018, I made my mortgage payment of {$1100.00}. Unfortunately, my account was {$11.00} short and my mortgage payment was returned to Seterus for insufficient funds. 

I have made deposits into our XXXX XXXX account, to cover my mortgage payment of {$1100.00}. Seterus Inc has been refusing my payment via online and insisting that I must go to a XXXX XXXX or mail my payment via money order. 

In order for me to accommodate this payment method, I would need to take a day off from work, or go into work late which will cause me a penalty on my job. 
When I inquired to Seterus Inc. why are they refusing my on-line payment, I was told that I had four returned payments for insufficient funds in the past year. This is absolutely untrue.

Seterus Inc. is forcing me to go into foreclosure, by refusing my payment. I am seeking your intervention before my home goes into foreclosure. I can not afford to take a day off from work every month to make my mortgage payment.

I am currently working seven days per week, not only to accommodate my needs but the needs of my family members who are living in XXXX, who depends on my check each month to buy their food. Nothing that I expect Seterus to understand, as they have no idea what it is like to be in need.

Please, I am asking you to stop Seterus Inc. from forcing our homes into foreclosure. They are tyrants who have no care for us, other than to abuse their power, leaving homeowners homeless. 

Respectfully, XXXX XXXX

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018 I disputed several items on my credit report through Transunion credit bureau. These accounts I have no affiliation/business. And have no contract with said collection agencies. There has been no contact between me and TransUnion to give explanation why removals were completed at this time. The 30 days has lapsed for said accounts with TransUnion. And contract with collections agency doesn't exist according to the FCRA. 
1. XXXX XXXX ( for the amount of {$410.00} ) 2. XXXX XXXX ( for the amount of {$680.00} ) 3. XXXX XXXX XXXXXXXX ( for the amount of XXXX ) 4. XXXX XXXX XXXX ( for the amount of {$150.00} ) I am requesting that these items are removed from my credit report immediately with letter to follow.

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 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BlueChip Financial
State: AL

Complaint narrative:
Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.

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 2018-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
About a year ago my repayment agreement expired ( I was unaware, however it was my fault due to simply not paying attention ). My husband and I both have student loans with XXXX XXXXXXXX XXXX and we were both paying XXXX ( roughly ) a month, so around XXXX on a pay as you earn plan. So we reapplied on line and, with exactly the same financial info, the payments turned into around XXXX EACH a month - not doable. He finally got his worked out to XXXX a month but, using the SAME information, mine jumped to XXXX a month. First off, there is no way our amounts should be this vastly different. Secondly, I have tried NUMEROUS times to resolve this. When I did get through ( impossible to get hold of ), they sent me NEW paperwork ( said it was the right paperwork and what I had before was wrong ), which they then sent a response saying it wasn't time to renew. Then I signed the paperwork saying to recalculate anyways and the payments jumped to XXXX!!!!!!!! I've been trying for 8 months to get my payments doable. I am trying to pay back my loan, but they are only open the hours I am at work and the hold time is at least 20-30 minutes and THEN they transfer you to another department for ANOTHER 20-30 minutes ALL THE TIME!!! I need help ... desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am good on my payment history with Wellsfargo, I have not been late for past 24 months. The FHA loan and HUD discriminates against the lender, and Wells Fargo according to HUD can at their own discression remove the Morgage insurance after 5 years without waiting for 78 % threshold. At the time of requesting a FHA Morgatge insurance removal, the HUD act discriminates because it allows for " the Bank '' to request an apprasial to insure the house has not devalued, but HUD does not allow for the Lender to demonstate the house value is increased. This is percieved one sided. In my case a near 100 % increase in the house value has occured due to renovations and investment into the house. This is something for our local government legislation member to be aware of too. I have paid the mortgage timley, and FHA allows for lenders at their own discression to remove the FHA Morgage insurance premium too after 5 years. That time has passed for me. The bank Wells Fargo is not customer-centric and not servicing the customer, by deliberatly ignoring the value of the house and facts, hiding behind the HUD guidelines of a fraudulant market value of {$510000.00}, compared with bak apprased value of {$930000.00} we hold, from third party government certified appraiser. Upon communication to the bank, their own licenced apprasiers have valued the house at over {>= $1,000,000} the banks response is " we dont have to fator the value in '', only the under valued value at the time of purchase. This is disregard for truth of real value and facts of values of the house. When truth is absent so is justice. Grossley undervaluing the house, a value non representive of their own independent government licenced appraises, in other words, the bank dont care for customers. This goes against marketing slogans of the bank " How Can we Help You Achieve your goals '' on their web site. " How can we help pay student debt ''. A bank giving marketing statement misrepresentations of what they actually do for their customers. Hiding behind legislation, the HUD site says the bank can remove the mortgage insurance " at lending instutions discression ''. When asked about that, The bank offers no comment on that part or refrence of the HUD web site. One sided again. Ethics of the bank need to be brought into spotlight in XXXX, thanks to Trump, its whistelblowing season. My loan additionally is a XXXX FHA too. Granting more flexibility in rules than later years FHA loans.

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 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has not sent me the 2009 of XXXX closing documents.

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 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the  UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Dear FTC, XXXX, XXXX, XXXX and XXXX I was sent a letter from XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX. Saying I owe them XXXX and if I do not pay it? It will be sent to the credit agencies and ruin my Credit??? They say I owe XXXX this money! I called XXXX and I owe NOTHING, ZERO! This is scam! They are making this up and trying to ruin my credit. XXXX stated, when I called them, that they will send a letter stating I owe them NOTHING! This is a crying shame that they can do this too people.I do not want that FAKE information to be added to my credit report. This should be a crime? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Capio Partners, LLC
State: FL

Complaint narrative:
I pulled my XXXX and XXXX reports on XX/XX/XXXX. They listed capio partners llc as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

I have an older report from XXXX dated XX/XX/XXXX. They listed XXXX XXXX XXXX as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

This fact alone leads me to believe that Capio Partners llc has re-aged the medical debt. On XX/XX/XXXX I called them at XXXX and dealt with a very nasty person named XXXX in reference to this alleged debt. He disregarded what I was attempting to say and continued to tell me that the only way they would delete the information was if I paid the debt and stopped stating it was alleged debt. 

Please help me. I need someone to fight for me. They have all the power to destroy my reputation and you seem to be my only hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage keeps sending me information on a loan modification I did not request. Wells fargo home mortgage keeps advoiding what I have requested. They also send documents that has nothing to do what I have requested. 

No loan modifications documents has been requested.

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is not my bankruptcy i submitted all necessary documentation BUT EQUIFAX have not yet to responded the paperwork used to verify this ... First they said in XXXX 2017 this was verified via XXXX XXXX, which could not be mine accurately because my files are suppressed since XXXX of 2017 .... Second they said verified thru federal court BUT per letter submitted the courts VERIFIED THEY DO NOT GIVE INFORMATION TO CREDIT BUREAUS .... THEREFORE THEY HAVE VIOLATED FCRA and not given my investigation PROPER DUE PROCESS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I made a call to Transunion about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my Transunion and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Ran unauthorized inquiry on XX/XX/2016

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates referred to hereafter as " PRA '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from PRA that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called PRA ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXXXXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXXXXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but PRA purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to PRA. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX XXXX  the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage has yet to prove my signature on the California All Purpose Document

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: VA

Complaint narrative:
AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.

Company response to consumer: Closed with explanation