vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is my mortgage company, Ive had heard how difficult they are to work with homeowners before I fell behind and I said they were good. When I unfortunately fell behind its when my nightmare started. I had been denied several times due to them miscalculating my income. Now I submitted a complete packet and they said there is an outstanding issue and that they cant tell me what it is over the phone. They keep telling me that its like a " back room '' where they receive the correspondence and they answer to me through mail. They said I had to send a written request through mail to find out what that outstanding issue was. I send a written request through mail and I paid for signature, they received it and I have not heard back from them. My file was denied due to some bank statments missing, I sent them over and then they said that I was hiding income which I am not!! I sent the missing bank statements, and they denied my file, they closed it and was sent to the fraud department. To add more to this they put an auction sale on my home for XX/XX/2018, this is not fair. The sale is coming up soon, and I have no answers as to what that outstanding issue is. This has gotten my wife and I very stressed, they have the bank statements they were needing why not just continue with the review instead of closing it. So I believe this is the outstanding issue they are talking about. I wish I knew what it is so I can answer and start getting reviewed again. I really hope that they dont answer a few days before the sale and not give me enough time to reapply. I dont want my home to sell. They can check their system, they have all the documents they needed. Bank of America had a complete packet.

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 2018-02-13 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: MI

Complaint narrative:
I have spent the past year trying to resolve an issue that has been proven to Equifax that XXXX XXXX has knowingly refused to provide payment history for 3 years of a loan in order to keep negative information on report for more than law allows. 
After several attempts asking Equifax to to provide correct payment history ( or remove from report ) Which should show originally when the payments started being late in XX/XX/XXXX ) requests denied telling me to contact XXXX XXXX Disputes were done online and through telephone. 
Payment history missing shown below. XX/XX/XXXX - XX/XX/XXXX Missing. Equifax will not remove negative information because they say my negative information started in XX/XX/XXXX. 
XXXX XXXX has since updated report stating charge off and also added I made a payment in XX/XX/XXXX which is FALSE Today I spoke with Equifax ( several agents and someone named XXXX XXXX who claimed to be a Supervisor at XXXX XX/XX/XXXX) and stated the issue again. I was told they would not remove the negative information even though there is no payment history provided to prove the negative payments started in XX/XX/XXXX. Was told to contact XXXX XXXX myself and tell them to provide that information. I have also tried several times through the years for them to change from repossession to what it actually was. A Voluntary Surrender. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX  Monthly Payment Past Due Amount Highest Balance Terms M 69M Responsibility Individual Account Your Statement SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF Comments SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP No prior payment history shown on report from XX/XX/XXXX until XX/XX/XXXX to avoid  actual drop off date within 7 years. 
Nobody at that company will help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Scenario # 1 On XX/XX/XXXX 3 checks went into my account in this sequence 1st - {$450.00}, 2nd {$53.00}, 3rd {$25.00} which cause me 3 {$35.00} fees. According to Wells Fargo available balance & posting order from page 21, it says, " pay to checks and preauthorized automatic ach payments from lowest to highest dollar amount '' They have done this to me for months. sometimes they do it from lowest to highest and sometimes from highest to lowest. 

Scenario # 2 On Approximately XX/XX/XXXX, I called to replace my account do to a lost check book with unknown number sequence. They mentioned to me that they couldn't replace my account at that time until a new acct representative calls me back. Customer service asked if I wanted to block all transactions or checks only, I requested ALL transactions to be blocked since I couldn't deposit into the account with high risk. Transactions still came in and was charge 4 fees. They  never put an all block hold and they said they couldn't do anything about the fees.

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 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had recently filed a complaint about Compass Bank. They were denying me any reimbursement of my personal property that was left in the vehicle after a repossession. They are denying me for the reason that it was not listed in their report. The items were in the consoled of the vehicle and were not out in the open. They can not just donated or discard personal property such as eyeglasses and prescription medication. Those are important and necessary for my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: UT

Complaint narrative:
There are a number of accounts showing on my Experian Credit report that I do not believe are mine. Experian has failed to provide a method of verification to prove these accounts belong to me and should remain on my credit report.

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 2018-02-13 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: MI

Complaint narrative:
I've pulled my report and find an XXXX Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've pulled my report and find an XXXX  Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

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 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
A phantom debt collection agency called Forward Movement Recovery called me today stating that they wanted to get information. They asked me to verify my social security number, and I asked them who they were and if they had a professional license to practice debt collection in the state of Arizona. They refused to provide the license # or give any more information about themselves. After doing research it seems like their parent organization is called World Wide Processing Group, LLC - http : //worldwideprocessinggroup.info/index.html is their website. Numerous search results online state this is phantom debt, scams, etc. I am reporting this company because they stated that they are going to arrest me, and also stated that I owed money on a debt that has already been disputed for identity theft, and was taken off of my credit report because of this. They have called me 9+ times today after I told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I was enrolled in the disaster forvearance program due to be unable to pay my morgage. The progam ended on XX/XX/XXXX. During the period of the forvearance, i started the process for a disaster modification loan. I spoke with a representative in XX/XX/XXXX to check the status and she said that i will receive a letter with info about the amount and next steps. The representative told me that she knew for sure that the due date for my first trial payment of the Disaster modification was XX/XX/XXXX and that it will be less than my current morgage payment. I waited until XX/XX/XXXX, and with fear that i will miss the opportunity for the modification, i made a payment of {$820.00}, being that amount a little bit greater than my current mortgage. I received a letter XX/XX/XXXX stating that I was approved for the loan modification, and that the amount to pay was {$810.00}. I call XX/XX/2018 to confirm the payment that i made online and the representative told me that they had distributed the funds towards XXXX payment. I told the representative that the intent of the payment was for my first trail payment and explain that since a knew the due date but not the amount, that was the reason it was made for {$820.00} instead of {$810.00}. The representative told me that it was ok and he will submit a request so the fund were redirect to the trail payment. I never heard back from them until XX/XX/XXXX when i received a letter stating that my first payment was not received. I call and talk to a representative, and explain to her that i did in fact my my 1st trail payment and was ready to do my 2nd one. She said that they can't accept my 2nd payment because i did not made my first one. She told me that she will submit a request and i should follow up within 25 to 48 hours. I call 48 hours later and explained my situation to the representative, then was transferred, then transferred again until a representative told me that she had spoke with her supervisor and that they will make a request and accept my 2nd trail payment. Received a letter XX/XX/XXXX confirming the payment posted XX/XX/XXXX. XX/XX/XXXX received a call stating that i have not made my 2nd payment. I explained the situation and i was told that the payment iform XX/XX/XXXX was posted as my first  one. I told them this is my 2nd payment. That the first XXXX was for {$820.00} onXX/XX/XXXX, the 2nd one on XX/XX/XXXX and my third i have not done it because is due XX/XX/XXXX. They said that the only thing to do is submit a request for the payment in XX/XX/XXXX. This is been an outgoing problem and every representative is telling me that they will fix it they will fix it that everything is okay when in reality I receiving letters and calls saying that I'm not making my payments. This is not letting me focus in my work and keeps me strees at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 deployments. During the course of those deployments to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.

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 2018-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I had participated in the California State Loan Repayment program. Payments were made to Nelnet through this program. My loan balances I was told were paid off, I owed nothing. This was XX/XX/XXXX. In XX/XX/XXXX I  was notified that I had 2 loans in default with a balance of $ XXXX.I began paying these loans. In XX/XX/XXXX I called Nelnet to inquire about the balance and I was told the 2 private loans were now being serviced by XXXX XXXX. BUT -- they told me I had yet another student loan with a balance of {$1300.00}, this one was a, Federal loan. 
Again, I hear nothing. I repeatedly asked for a detailed accounting of the loan history -- payments and balance.I received nothing.Now, my Federal tax return was intercepted by XXXX XXXX for {$1900.00} and when I called them today I was told it was now with XXXX XXXX ... but it was paid by IRS. I call all parties aforementioned and get no information or help. 
Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
I do not know who this company is and why they are calling. The caller said I wrote a three checks that werent paid. I do no know anything abut this. The caller CRM phone number XXXX XXXX XXXX. I have asked them not to call. However, they call every 1? 2 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
The company FBCS Inc had sent me a letter dated XX/XX/2018. This letter is an offer to pay a debt at a reduced amount. Their offer is to pay a debt at a 80 % percent discount. I do believe that this debt amount at no matter what their letter states is incorrect. Also I believe this debt is to old to be listed upon any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We began the application process back in XXXX but because the company continued to ask for new and additional information it necessitated what they called rate lock extensions, and for each of these rate lock extensions they would add additional fees. These fees were not disclosed to us or discussed with us until the last couple of weeks and therefore it was too late to try to get a loan with another company., ( due to the recent increased rates ), It seems to us an unfair business practice to change the documentation required and then charge additional fees because of the time added due to these requests. This lender knows that if we apply for a loan now the new interest rates are higher than the ones that were available when we began the process so they know they have us between a rock and a hard place so they are unwilling to waive any of these fees.

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 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
Original service provider -- XXXX XXXX XXXX XXXX collection company -- Continental Credit Control By law, it is my understanding medical bills are not permitted to go to collections before 180 days. What the original service provider and the collections company they are using are doing is illegal. 

First bill for this was on XX/XX/XXXX -- per my statement. Meaning we're only at 120 days, before the original service provider sent this for collection. Very well before the legal timeframe.

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 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
today, XX/XX/2018 my banks accounts were levied by XXXX XXXX XXXX. I spoke with many people who would not give me any information. This was addressed a long time ago. I do not recall when. I had my credit cleaned of any outstanding debts years ago. I pulled my credit and this was never on it. anyway, I spoke with XXXX XXXX and said to her this is not right. she said " the burden of proof is on me ''. My husband spoke to someone a couple months ago asking for money. he said send us the proof. we never received anything. I also spoke with XXXX XXXX who gave me a hard time giving me a physical address. he finally did I asked for a supervisors/manager name and he told me there really is no one to address it to.i have a levy for XXXX in which the held approx. XXXX. I have bills going to bounce. this my money. I have children to support. I worked hard to pay my bills. this is fraud. please help me get my money back. there address is XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX phone number XXXX my name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This car was FRAUD ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: NJ

Complaint narrative:
On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX and TransUnion about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/XXXX and TransUnion Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.

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 2018-02-13 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: NJ

Complaint narrative:
On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX/Equifax and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/Equifax and XXXX Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.

Company response to consumer: Closed with explanation