vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
I have contacted  XXXX   XXXX   XXXX  over the pas t 3years. I h ave been trying to get the bill they are claiming I owe of {$790.00} taken care of. I contacted them because In  XXXX  when I had the Debt It was paid off and I returned equipment.  XXXX  the item is still reporting on my credit report as I have multiple time tried to inform  XXXX   XXXX  I dont owe this debt. The account i s currently with Enhanced Recovery Corp. I hope you are able to help me with this old high amount debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: NY

Complaint narrative:
my son was still at tending college and they wanted me to start paying back on the loan. I originally started with   XXXX   XXXX   and  it was sold to Navient. They raised my interest rate and when my son was still attending school they wanted me to start repayment. when I called and they said I could defer they never told me the interest was continuing and the rate was going up.   I feel I was mislead in the agreement of the loan. my interest rate was not 8 % when I w  as with   XXXX   XXXX  .
I feel I was mislead with the terms of thi
s loan as with the interest rate being raised. <P/><P/> s

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Forced Foreclosures-  Wells Fargo Unethical Strategy -FHA Mortgagors Main Tar get  XXXX   XXXX  after losing  XXXX  yrs. full time employment was able to use the remainder of my Illinois  Hardest Fund. When depleted, contacted my lender WF who at  their suggestion began my attempt to Short-Sale my home. Since  XXXX  I have had  XXXX  contracts submitted.  XXXX  of which withdrew because  1. WF  long delays in acceptance/denial periods. Counter bids by buyers went unanswered even though these bids were found to be thousands more than  WF was asking. 2. WF  never spoke to me regarding the 120 day time-frame in which they were to have offered me a Deed-in-lieu option thus eliminating that option for me. 3. Practice Duel-tracking  (  sale dates initiated while valid contracts are being processed )  XXXX . Violation of the  Rosenthal Ac  t ( p retending to process short-sale and verbally agreeing to extend sale dates but then follow up with letters after the fact using language like, " requested sale date be extended '' to keep Mortgagors from taking any precautionary measures i.e, bankruptcy or attorney ) 5. Violation of HUD requirements of offering mortgagor as occupant required  HUD-1  relocation funds nor attempted to visit mortgagor at the home which is less than  XXXX  miles of a Wf site ( FHA-HUD requirements before foreclosure begins  ) 6.  Denied Streamlined Short-sale when  XXXX  of the  XXXX  criteria had been met 7. Made to Begin process over even when offers were consecutiv e ( days apart ) 8.   Breach  of Settlement Statement Agreement  withdrew relocation funds 9.  Breach of Good Faith and Fair Dealing 10. Conspiracy to force Foreclosure of FHA Mortgagors to sale property, collect FHA insurance and attach deficiencies to  Mortgagors   11. Attaching day after sale dates to court orders knowing the practice of short-sale applications not being based on their merits but dening based on sale date. Lucky for me The Judge saw thru this last practice of trying to dupe the judges Status Hearing Orders and vacated sale date Altogether.          WF Loan  #  XXXX   WF Executive Ofc.  complaint tkt #  XXXX  -  XXXX   XXXX , Solution Specialist HUD Acct.  XXXX  HUD  Inquiry Tkt  #  XXXX   XXXX   XXXX   Circuit Court Case   XXXX   XXXX  Short-Sale Law Firm -  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  Thanking you in advance for your consideration to review. I strongly believe that elderly persons are victims of this most   XXXX   strategy.

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 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was 3 months behi nd on my Wells Fargo h ome mortgage because me tenant was late on rent. My tenant became current on the  XXXX . Normally i pay  online thru Wells Fargo 's website from my Wells Fargo checking account but my access was denied with Wells Fargo stating they were trying to help me avoid foreclosure. i called Wells Fargo  mortgage on  XXXX   XXXX  to ma ke 4 payments and asked the late fees to be paid next month. I was at the pool with my kids and the Wells Fargo rep asked for my routing number and acct number which i did not know. I asked for online access I could make my mortgage current and was told to call back when I have my checking info. I gathered this information and called Wells Fargo three times t oday. The first time at  XXXX   XXXX  I provided my info but was disconnected when i was transferred to the mortgage dept. I called back at  XXXX , gave my info and was connected to the mortgage dept but the rep had computer issues and could n't access the payment portal so she asked to transfer me. Again i asked for online access so I would n't waste more of my time but when i was denied i asked not to be disconnected when I was being transferred. Sure enough i was disconnected. I called back at  XXXX  and provided my info. The customer service rep tried to walk me through an online payme nt which failed so she transferred me to the mortgage dept. I am going through a prolonged divorce so being fed up Wells Fargo I decided to pay other bills and only pay 2 monthly payments to Wells Fargo. Wells Fargo said  they would not accept a payment for half the amount owed and would only accept payment in full. How is this trying to help me avoid foreclosure? I only owe $  XXXX  on my mortgage. My hous e (   XXXX   XXXX   XXXX   XXXX ,  XXXX , WA  XXXX  ) is in a high demand area and will sell i n one da y for $  XXXX . This is unfair practices which seem deliberate to aggravate the consumer to make poor decisions. I am available to speak at any time. Thank you,  XXXX   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 explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.

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 monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In  XXXX  a Debt collector was take the money from my paycheck, to pay off a sams credit account that went in with to collections in  XXXX . is now  XXXX  I am trying to refi my home and it tuns out that I have a linn against me from sa m 's  with a bal. of  XXXX  +, with out my knowledge sam 's club recall the account when there was still a balance. it has been there f or four yea r and no body ever contacted me about it. I been calling them since  XXXX   XXXX  to send me and the title company the pay off bill. but for some reason they been ignoring my request it is now almost a month and all I get from them is that they will send it again but it will take from  7 to 10  days. this is costing me. since interest rates went up I wast able to close escrow and now I have to pay a higher rate because of 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 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SD

Complaint narrative:
In  XXXX , I repeatedly asked for a bill so that I can get caught up on payments of my mortgage fr om Fay Servicing in voicemails and also by talking to different representatives. At one point, I w as told that I would receive a bill in the mail but this was not received. On  XXXX   XXXX , I spoke with a representative and for the first time, was told I needed to request this type of information via email, which I have done. In the meantim e, Fay Servicing has b een racking up fees at a ridiculous rate. For instance, on  XXXX   XXXX  the bill was {$6600.00}. On  XXXX   XXXX  the bill I was told the bill is {$9600.00}, according to the conversations with the  Fay repres entatives. However, I have n't so far received in writing an amount and what date that bill will be good through. In addition, I submitted a loan mitigation application in  XXXX  that I have n't heard a recent status on.  Fay S  ervicing is responding or not responding timely to voicemails I 've left in the past month, while they continue to rack up their high fees. I 'm aware of my rights as a loan mitigation applicant and potential federal RESPA violations that are occurring. In particular Fay is not resp onding timely to my requests for a bill so I can become current with payments. I am in contact with legal counsel on potential federal RESPA violations that have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For years I have been a victim of identity theft & have taken all necessary steps to prevent any further damage to my credit file. After 5+ years of trying to resolve this distressing issue and thousands of dollars later, I thought this issue was behind me and my life was back on track.
<P/>
On or around  XX/XX/XXXX  I contacted Equifax to inquire if my file contained mis-merged or mixed files. Equifax said there were no mis-merged or mixed files in my credit file. Therefore, all of the fraudulent information reported by the other three credit bureaus should have been reported by Equifax.
<P/>
On or around  XX/XX/XXXX , Equifax responded with an absurd letter after requesting credit monitoring & disputing fraudulent information requesting additional documentation to process a security freeze. My dispute never mentioned or requested a security freeze. Equifax did not conduct a reasonable reinvestigation to determine whether the disputed information was accurate or complete. Therefore, in  XX/XX/XXXX  Equifax willfully and intentionally violated 15 U.S.C. 168li by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
<P/>
To not elaborate about every single attempt after XX/XX/XXXX using the same or similar tactics with the same outcome, I will fast forward to the last few months starting with  XX/XX/XXXX . I again attempted to correct incorrect items for an Erroneous reporting account for the one and only negative account showing on my Equifax report. After making repeated attempts from  XX/XX/XXXX  up until  XX/XX/XXXX  sending every 609 letters & providing original contract & legal binding documents Equifax continued to report incorrect information.
<P/>
As of today   XXXX   XXXX   in the Consumer Affairs unit has placed every negative account back on my file that was removed as fraud and have advised they will not be removed. Furthermore,   XXXX   XXXX   XXXX   has advised I will not have access to my file unless I request by mail and no creditors will have access unless I call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: TX

Complaint narrative:
I have  XXXX  account listed on my Equifax credit report with  XXXX   XXXX   XXXX , that shows in the comments field of the account " Consumer disputes this item '' There is no dispute on the account and I have electronically requested Equifax to remove the comm ent 3-4 times repeatedly stating " there is no dispute on this account, please remove the comment, I agree with the status of this account, please remove the comment '' Wording it 3-4 different ways to make it clear there does n't need to be a " dispute '' flag on the account beca use there is n't anything wrong with it and I do not disagree with its current or past appearance/status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Our bankruptcy  was discharged  in   XXXX     which included a mortgage on a home. Original holder was  XXXX , which was bi=ought by    XXXX   XXXX   XXXX     XXXX   then s pun off to various other entities. We are dealing with Ditech Financial LLC. We have advised them numerous times over the past 7 years that the property was foreclosed upon by the property management firm,  XXXX  of  XXXX   XXXX , Florida. The house was sold by them.  <P/> We constantly receive mailings and phone calls from persons who do not give their names a t Ditech. We explain what ha ppened, are promised that the file will be closed, but they STILL send notices and call us. They say they are not attempting to collect, however, they are looking for a payment in excess of {$150000.00}!  <P/> We do not want to take the step of retaining an attorney and suing for harassment, etc., but what other recourse do they leave us?  <P/>  The Ditech ac count number referenced is  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I would like to file a Formal complaint on Equifax reporting agency I receive alert on my credit file that my debt to ratio limit was Over on 2 of my credit cards ( XXXX ) / XXXX Both those cards should be at XXXX  blance. and because of Equifax and My history I will not back down. I have filed Mulit complaint about this company with the cfpd and The Minnesota attorney generals office on this company I believe that it someone at that company is tempering in my credit file. the reason I have proof that I know that they are is XXXX And XXXX  reported on the same account info on the same day and Guess what their were reporting correctly. But just so happen MR Equifax had to go and report false information about me it is against the law for a reporting company to report false info. That is grounds for lawsuit each time I call there XXXX number they are very rude and nasty to me placing me on very long hold Guess What I will go toe to toe with you believe me. I have asked you to investigate credit inquires that I did n't authorize guess what you did n't send any of the information about that. PER THE FCRA IF YOU CAN NOT PROPLY VERIFY THE ACCOUNT IT MUST ME DELETE. CORRECT MY CREDIT BLANCE ON THE CARDS LISTED ABOVE OR ELSE I WILL BE FLYING DOWN TO YOUR OFFICE IN GEORGIA AND WO N'T LEAVE UNTIL SOMEBODY FIX THIS XXXX PROBLM!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: GA

Complaint narrative:
OnXX/XX/XXXX, 2017, received by all XXXX credit reporting companies by XX/XX/XXXX, 2017, by land mail ; I wrote a very extensive dispute request to all XXXX  credit reporting agencies ( Trans Union, XXXX and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ). After speaking with a representative from all XXXX credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, Trans Union, XXXX or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life.
<P/>
CFPB you got ta help me get this mess off my credit report. I am a 21 year, 2 time XXXX veteran who could not work for years due to my XXXX XXXX XXXX  diagnosed condition. This is what I get for serving my country?
<P/>
This clearly violates the CFPB requirement.

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 2017-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am having problems with BMW financial with my loan. At first I requested for a date change and they messed up and made me pay an extra payment. At that point I requested for the change to be placed back. I then went and made a payment on the account. Apparently the last  XXXX  digits to the account were transposed and they were not able to collect the payment from my   XXXX   XXXX   account. At this point I noticed that my credit beurea reflected a late payment. I called BMW financial and spoke to them and verified the last  XXXX  digits of the account. When I realized the last  XXXX  numbers were transposed I made a pay ment for what was behind and I also paid a month in advance. They are not working with me on this as they can clearly see it was a transposed number and as soon as it was fixed the payment went through. They are not being helpful and there customer service agents are very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: TX

Complaint narrative:
I have contacted Trans union credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied Trans union with documentation from the company, by the name of   XXXX   XXXX   XXXX  . I submitted to Trans Union a letter that stated they are not able to provide proof of debt because they have no records of me on file. Trans union has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to Trans Union as well as submitted to them all correspondence letters between my self as well as   XXXX   XXXX  . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX .2017 and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and 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 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did 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