vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On   XX/XX/XXXX ,   Hurricane   XXXX  destroyed my home. I was evacuated and currently reside in FEMA transitional housing. I contacted Bank of America,  XXXX   XXXX   XXXX  in   XX/XX/XXXX  to  notify them I  FEMA  evacuated me, rendered my home dangerous and uninhabitable. I also gave them a copy of the City of  XXXX  storm water report,  XXXX   XXXX   XXXX   XXXX  report and NC  XXXX   XXXX   XXXX   XXXX  report. In short, when the  XXXX   XXXX   XXXX  levy broke, the water eroded the ground under my home and its now falling off a cliff.   Bank of America has continued to FORECLOSE my property knowing that the home is on the FEMA but out list in  XXXX  NC. There predatory lending practices and negligent updating of my records has ruined my credit and no one will rent me and kids a home. Ive been Homeless sinc e  XX/XX/XXXX . Ive asked for a Discharge of this Debt and they refused and s erved me toda y  XX/XX/XXXX  with Foreclosure paperwork. Bank of America is forcing to pay for a   condemned home when they can Discharge the Debt due to  Hurricane   XXXX .      XXXX   XXXX   XXXX   XXXX  also failed me miserably. I signed forms for them to assist and advocate for me and they DID NOT facilitate my request. My worker  XXXX   XXXX  refused to follow  NC Disaster Legal Service  rules for Natural Disaster even when I told him to do so and provided him the steps. He requested I sign a short sale form for my home with " NO '' resale value. That neglect action furthered my Foreclosure status. They are contracted by NC and receive funds to help  Hurricane    XXXX  Victims and that 's not being done by  XXXX   XXXX . He should be reprimanded for making such fatal mistakes.     My credit and my life has been ruined due to these agencies. I cant rent or buy another home. At no time should a condemned home on the FEMA ACQUISTION LIST be foreclosed on. We lost enough and now Ive lost the ability to rebuild my life. I 'm a  XXXX  Veteran with  XXXX  kids and I just want my own place to live again and stability for my kids. The agencies were suppose to help and instead they 've destroyed my sanity, credit and lively hood. Ive been diagnosed with  XXXX  and  XXXX  since  Hurricane    XXXX .      XXXX   XXXX  has also ruined my credit and failed to protect Hurricane  XXXX  victims. I turned in my Van due to  Hurricane    XXXX  damage and they listed on my credit as a volunteer repossession. I called them to come get if because of storm damage. I want that debt discharged too. I should n't have to pay for that.     PLEAE HELP ME!!! PLEASE CALL ME WHEN YOU RECEIVE THIS , IM TIERD OF FIG HTING THEM TO DO RIGHT BY ME.      XXXX   XXXX   XXXX   XXXX  loan #  XXXX  email :  XXXX  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 non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
According to my account, I am overdrawn. I reviewed my account online and not all of my previous transactions are listed. Every time something like this happens it appears that the bank posts what they want to first which results in a larger overdraft and more fees. I have complained about this problem before. And about not being given enough of an opportunity to fix the problem. Now I do n't get paid for another week and a half and will continue to be charged {$12.00} every 3 days until balance is corrected. I was only give half of my overdraft fees last time, because I was told the district manager never approves any overdraft fee reimbursement. Well, I think the problem needs to go higher up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In  XXXX   2015, I an d m y Father refin ance my car wi th USAA Auto Loan and   included in the that refinancing an insurance of debt protection insurance what would cover both of us if either of us had  disability a nd/or death that the car would be paid in full. My father unfortunately passed and I became  totally    XXXX  . I sent in all documents to  USAA, death certificate as well as authorized them assess to my medical records. USAA, in  turn, cancelled the policy and back dated payment then stated that they notified me of this information which did not occur. According to the policy, the car was to paid off on full with either condition occurring, not a policy cancellation. I asked for help with situation to  get USAA AUTO to  fulfill their part of this contract of paying this loan off. They now contacted others that are not on the loan stating that the vehicle is up for reposssion and has negative reports on my credit which should not when the contact clearly states what should occur. This has been a disservice to my family and I have been a member for years. I was not  even notified by them of the issue I was told by other individual they told that was not on the loan ( poor consumer relations ) .NO ONE, NO ONE CONTACTED ME. I had to contact the company and none of information has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I ha ve sentWorld Finance se veral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally. I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as   XXXX  , and that mistakes can be made. On  XXXX   XXXX ,  2017 I pe rsonally went in the office myself and ask for my printout/records but of course they did n't have them so on  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP! If not i will sue. The original creditor can be held liable for reporting inaccurate informatio n (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA le gislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus..   They have also sold this account to  XXXX   XXXX  so it showing on my credit report twice and really effecting me mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: OH

Complaint narrative:
I have sent request to  XXXX , Transunion, and  XXXX  regarding reporting of a  XXXX   XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported by  Bankrupty Court. I s ent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified

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 2017-05-31 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: OH

Complaint narrative:
I have sent request to XXXX, XXXX, and Equifax regarding reporting of a Chapter XXXX on my credit file. I received a letter from XXXX XXXX stating they do not send information to credit bureaus. The 3 major bureau sent me notification stating they received reporting on the account from XXXX XXXX. This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from XXXX XXXX. It specifically states this was reported by XXXX XXXX. I sent the 3 major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: OH

Complaint narrative:
I have sent request to Experian,  XXXX , and  XXXX  regarding reporting of a Chapter  XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported b y Bankrupty Court. I  sent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified

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 2017-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Hello, my name is  XXXX , my identity was stolen back  in 2011, about two weeks ago a collection from " MIDWEST RECOVERY SYSTEMS '' shows up on my credit report ( s ), and it is not mine, they claim it was from a payday loan taken in 2011  and that I should " just pay it '', I will NOT pay for something that I did not do! It was a result of ID theft! I want this removed from my credit reports! I hope someone sees this that can actually do something about my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a notice from XXXX XXXX sometime ago about a debt I supposedly owed. I disputed previously and received a response that it was no long being collected and would be removed from my credit report. However it has n't been deleted.

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 2017-05-31 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: NC

Complaint narrative:
I notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I fell behind on my payments with  my Macys cr edit card. I received a letter saying that I cold qualify for payment solutions and to call before  X/XX/17    ( at that point the account would be charged off & sent to collection s ). I  called on the  XXXX ,  XXXX  &  XXXX  between the hours indicated on my statement and letter, but the I got a recording that they were closed. On the  XXXX , I got a hold of someone who was surprised & told me that they changed their hours, but did not update their letters & statements. She also told me that I actually had until the  XXXX , so I was ok. When sh tried to transfer me to the dept handling my situation, she could not get through and sent them an email to call me betwee n 24-48 hours.  I did n't hear from them, so I called on the  XXXX . I was later told that they had called me on the  XXXX , as well, but I had just missed the call. I was also told that it would n't matter because it was too late ( even though I told them I had until the  XXXX  ). The representative told me I had to pay {$210.00} dollars on the phone with him, to be able o roll back my account- so I can apply for the payment solutions. I told him that I called several times, that I had just received a call and that I was within the timeframe. He still declined to help me unless I made a payment. I told him I was going to file a complaint. I decided to call and try to make the {$210.00} payment, but the new representative said that it was not going to help me either way. I also received a letter dated  X/XX/17   , asking me to call for a payment solution- also with the wrong hours etc.

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 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX on XX/XX/XXXX sent notice regarding XXXX XXXX  @ XXXX claiming {$510.00} as sums due. XX/XX/XXXX I sent dispute letter via certified mail requesting validation for said sums and informed them I was represented by legal counsel. XXXX XXXX XXXX received said correspondence on XX/XX/XXXX. Correspondence dated XX/XX/XXXX from XXXX XXXX XXXX claiming same amount, {$510.00} with itemization of charges. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by XXXX XXXX XXXX. As of today, XX/XX/XXXX XXXX XXXX XXXX has failed to respond to the dispute letter. Correspondence dated XX/XX/XXXX was received from Wakefield and Associates regarding XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX sent correspondence claiming {$860.00} as sums due for the very same account XXXX XXXX XXXX . In that correspondence they claimed to be responding to my correspondence to them. I had no correspondence with them regarding this or any other matter at the time. What they failed to disclose is that Wakfield and Associates and XXXX XXXX XXXX are one and the same - as per discussions with XXXX XXXX XXXX XXXX their client. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by Wakefield and Associates. As of todays date Wakefield and Associates XX/XX/XXXX has failed to respond to said dispute letter. Each sum claimed was in contradiction with XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX statement of account. the On XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile by XXXX XXXX XXXX for yet another differing sum of {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX @ XXXX account. XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile By Wakefield and Associates for yet another differing sum 0f {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXX @ XXXXXXXX . account. Further both of these entities disregarded the fact I was represented by legal counsel on this matter and never contacted my legal counsel - which was requested of them to do in each and every correspondence with them. The same company under different names acting as a third party attempting to collect a debt ; submitting claims with differing amounts for the same account, unable to disseminate the actual amount due and ts client 's billing, refuses to contact legal counsel, fails to respond to dispute letters and then files collection activity on credit profile with yet another differing amount violating Federal Fair Debt Collection Practices Act, and fails to dislcose that XXXX XXXX XXXX and Wakefiled and Associates are one and the same.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In  XX/XX/XXXX  I was forced to do a short sale on my home in  XXXX  Idaho., The mortgage holder was Bank Of Americ a .  THey took a year to process the short sale and it closed lat e  XX/XX/XXXX  or early  XX/XX/XXXX . I  have waited the required 7 years to get a new mortgage, only to find that Bank Of America did not close out loan until   XX/XX/XXXX .In  the meantime they sold the loan to  XXXX   XXXX   , who ha s been lax in crediting deposits on time.   Im  XXXX , retiring in 2 years, a  XXXX  Vet., with a credit rating from  XXXX  of  XXXX , and  XXXX   XXXX . I just ask Bank Of America to end this nightmare before Im to old to have any more decisions.

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 2017-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.

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