vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster Bank advertised a {$350.00} bonus for opening a checking account by XX/XX/XXXX  and making a payroll direct deposit by  XX/XX/XXXX . I opened my account on XX/XX/XXXX , and a payroll direct deposit occurred on  XX/XX/XXXX . The terms of the promotion stated that the {$350.00} bonus would be deposited by  XX/XX/XXXX , but that did not happen.
<P/>
On  XX/XX/XXXX , I sent a secure message to inquire about the bonus, and was denied because I supposedly did not have a payroll deposit to the account. I replied pointing out the payroll direct deposit on  XX/XX/XXXX  from my employer, and on  XX/XX/XXXX , was told that I would hear back after more research was done. Today is  XX/XX/XXXX  ( over 2 weeks later ), and I have heard no additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Me and my spouse live in a community property state where we both equally own our house. Also our house is an exempt property per our state statute. Carrington Mortgage Services is the mortgage lender for our property ( Carrington Mortgage Services, LLC   XXXX   XXXX   XXXX  ,  XXXX , IN  XXXX , Phone #  XXXX  ).
After we missed few mortgage payments, my spouse herself filed Chapter   XXXX    Bankruptcy and all the lenders, including Carrington Mortgage Services, were notified by the court.
Pursuant to Chapter   XXXX    Bankruptcy law, should automatically stay all the collection activities by the lenders.
Carrington was fully aware of the stay, but nevertheless, sent a letter of pending acquisition to us few days after filing.
When I called Carrington, the agent lied to me and told me that unless and until I file Chapter  XXXX  Bankruptcy, the foreclosure procedure wo n't stop, since the mortgage is under my name alone.
I explained her that since my spouse is the co-owner of the house, the whole house is considered to be Bankruptcy estate since she filed Chapter   XXXX   Bankruptcy and unless and until Carrington file a motion to lift stay in the Bankruptcy Court and get the motion approved, they can not do that.
The agent on the phone completely ignored what I said and threatened me that if I want to keep my house I need to pay immediately.
Few days after that Carrington  sent me a mail of mortgage loan default on  XX/XX/XXXX  of 2017. At that time, I again contacted Carrington, and the agent told me that Carrington has already sent me the pre-foreclosure notice and the auction for foreclosure would be on the  XX/XX/XXXX of 2017. Th is time Carrington agent provided me the phone number of the attorney that is representing the foreclosure process. The phone number of the attorney is :  XXXX .
When I asked the name of the attorney, the agent declined to do so.
Carrington has sent me three mails and also adding a fake letter from some unknown company who is willing to buy the house.
Carrington is continuing with the foreclosure procedure in violation of automatic stay and in violation of our state statute of exempt property and community property law.
I even explained Carrington that my spouse and her attorney has proposed a payment plan for 60 months, to catch up with the missed payment and interest accrued by our non-payment.
The agents would sometimes threaten with foreclosure and they would sometimes try to tell me the law that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
i opened account on  XXXX  and never missed a payment until  XXXX  in  XXXX   XXXX  and since than i never missed a payment but they are not reporting my account positive since  XXXX   XXXX  it is still in the negative status

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: GA

Complaint narrative:
On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 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: GA

Complaint narrative:
I sent a letter to XXXX XXXX disputing that I have never been 30, 60, 90, 120, 150 or 180 days late. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts. If it was to a different address that was not accurate reporting because the address on my credit report should have been the address that they sent their letter to as well, therefore, this account should be deleted off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in  XXXX  and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people  at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the  XXXX  payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my  XXXX  payment would be {$830.00}. I mailed a payment  to Owcen for t he {$830.00} which was cashed on the  XXXX  and now  Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on  XXXX  the  XXXX  and are now telling me the  XXXX  payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with  Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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  has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with  XXXX  and the company   XXXX    has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also experian i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved

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 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC
State: CT

Complaint narrative:
Upon a credit check review for a mortgage qualification I was made aware of a collection account for   XXXX   XXXX   XXXX   in the amount of {$1100.00}. I contacted   XXXX   XXXX   XXXX   to get more information and was transferred to Glass Mountain Capital Collection. The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX   who sold it to   XXXX   XXXX   XXXX   which hired Glass Mountain Capital Collection. I told both Glass Mountain Capital &   XXXX   XXXX   XXXX   that I never purchased or did business with  XXXX  and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roycroft Management
State: CA

Complaint narrative:
The call is coming from " CMS '' ( XXXX ). The rep who is " handling '' my case is " XXXX XXXX ''. XXXX says they are attempting to collect a debt on behalf of XXXX. In XXXX  2015, I did take out a payday loan - in person. No online application submitted. After the threatening phone call, I was to pay {$250.00} soon ( upcoming payday ), or the amount would increase over $ 1000+ ... The company ( CMS ) address provided, as per my request was : XXXX XXXX, XXXX, NY XXXX. The " DOS '' they 've quoted me is XX/XX/XXXX/2015 ; however this is so very inaccurate. I 've asked for info via email and of course they created a faux document which I still have in my email. They said to avoid being served papers at my work, I need to call XXXX ; naively, I did so and spoke with an " XXXX '' ... and fearfully, I provided her with my debit card # to be charged later that week. [ Initially my case # given was : XXXX. However, now that they 're calling me at work again, the case # differs ( XXXX ) ].
<P/>
I had a funny feeling and remember hearing about fake payday loan companies who go after people attempting to collect for an old payday loan. So, I decided to do research and look-up the info given during the call with " CMS '' ; I then contacted XXXX directly. I s/w with the rep there who said she 'd provide my call back info to their Corp office ; later that day, I received a call from XXXX from XXXX XXXX corp office. She states the collection agency/company third-party that they use is XXXX  XXXX. She says their collection attempts to not include harassing phone calls and, more importantly, they do not include a company " CMS ''. XXXX  states this is not the company they use for collection.
<P/>
Once knowledge had been received from XXXX XXXX corporate office, I cancelled my direct deposit to avoid being charged by CMS. Later that day, I called CMS back and spoke w/ the 'case manager XXXX XXXX ' . I told him that I spoke w/ XXXX and their info differed from that of which XXXX had provided. He began to go on and on about his legitimacy ; I just said " ok, uh-huh ... and he asked if the payment would still be made on my payday, I said Yeahhh surree ... The calls stopped for a few weeks until 2-3 weeks ago. Everyday they call me at WORK! It 's quite embarrassing ... they 're so anxious to s/w me so they can avoid serving me at work ... why not at home? And since I 've ignored their calls and voicemails, what are they waiting for?
<P/>
Please help me to make this stop! PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
A collection was opened XXXX XXXX 2016 by XXXX XXXX Clinic given to me in State collections for my credit report. This account is wrong. I had medical insurance at the time and still have medical insurance. I am a XXXX XXXX who barely makes enough to feed myself. I have explained time and time again. I can not pay this and this is affecting me every turn I make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired.
<P/>
After failed attempts to resolve the matter with XXXX, XXXX  and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites.
<P/>
I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue.
<P/> XXXX XXXX XXXX XXXX XXXX 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 2017-06-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wellsfargo has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with   XXXX   and the company  XXXX  has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also   XXXX   i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved

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 2017-06-08 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
navient has yet to fix the credit dispute event though they said the hit would be fixed. calling multiple times the issue has yet to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: GA

Complaint narrative:
I sent a letter to XXXX disputing THIS ACCOUNT AS BEING CHARGED OFF AND THAT I WAS 30  DAYS LATE IN XXXX 2011. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX XXXX, XXXX. at XXXX XXXX XXXX, XXXX. Attn : Research Dept,  XXXX XXXX XXXX XXXX XXXX, FL XXXX and it was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america received a reverse charge from a merchant on my credit card. charge was for {$1400.00} on  XXXX   XXXX   2017 . charge was reversed on  XXXX   XXXX   2017 . I have told this t o 3 d ifferent representative 's on the phone, I sent a registered letter explaining. This and the credit was never applied they continued to charge interest and Fee 's I have no other charges on the card and I want to close the 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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Fo r five con secutive years, I 've been unsuccessful in obtaining the free annual credit report from Equifax. For the other  XXXX  bureaus,  XXXX  and  XXXX , it 's been fine every year. But for some reason, I always fail Equifax 's screening questions. As a result, I 'm forced to use the inconvenient physical mail option to request their free credit report. When this first ha ppened five ye ars ago, I thought it was a coincidence. But now aft er five f ailed attempts, I 'm starting to wonder if it 's more than just a coincidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner finance in  XXXX ,  XXXX  sent me a check for {$1200.00} in  XXXX     2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared  my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.

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