vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is the XXXX time i have used this system to no avail to get help.the same person XXXX XXXX keeps answering i have asked not to she thinks she is a lawyer and has successfully aruged that NO noi was issued prior to filing foreclosure. something i will pursue. i need a phone call PHOTOCOPIES OF PREVIOUS ANSWERS HAVE DONE LESS THAN NOTHING TO ADDRESS COMPLAINTS AND I AM ASKING CFPB TO MAKE SURE THAT THE SAME PHOTOCPYING DOES NOT HAPPEN AGAIN. I NEE SOMEONE OTHER THAN XXXX XXXX TO CALL ME AFTER XXXX EASTERN TO DISCUSS REMAINING ISSUES. WELLS FARGO REFUSED ME A MODIFICATION AND FILED FORECLOSSURE AND SUPPLIED NO NOI. I WANT HELP THE MOST IMPORTANT PART OF THIS NEW COMPLAINT WHERE PREVIOUS HAVE DONE NNOTHING TO RESOLVE ISSUES AS ALL I GET ARE PHOTOPCIES OF PAPER THAT TOO RESOLVED NOTHING. IS THAT I NEED HARDEST HIT PROGRAM IN NJ TO AT XXXX GET A PAY OFF FIGURE FROM OR A WHAT IS OWED FIRGURE FROM THIS BANK BEFORE NJ SAYS I OWE TOO MUCH. TOO LONG A WAIT. DO THAT TODAY NJ XXXX NEEDS A PAY OFF FIGURE. DO THAT TODAY THEY SENT REQUEST XXXX TIRED OF RED TAPE AND I WANT SOMEONE OTHER THAN MULDOON TO CALL ME TO RESOLVE OTHER ISSUES fui NO ONE ANSWERED qwr FILED IN 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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Because of the Equifax data breach I enrolled in their TrustedId monitoring product. I was supposed to get an email to complete my enrollment within 2 days. It took over a week to get the email and when I tried to complete my enrollment I got a message that I might have already completed my enrollment. I know I did not do this - it made me worried someone else created the password for my account. I tried to go to trustedid.com via the link on the page and the site will not even launch. I tried to call equifax so many times and the call never goes through and they tell you to go back to their site which either does not load or crashes. I am worried that my identity is now even more compromised than it originally was because of their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and XXXX XXXX are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX XXXX are not reporting my XXXX XXXX XXXX and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I put a fraud alert on my credit records with XXXX, since they told me on the website that my data was compromised. I arranged to put a fraud alert on my records, which XXXX said would be shared with XXXX and TransUnion. I received a letter dated XXXX XXXX, XXXX telling me that the alert had been effected and that I should receive notification from the other 2 agencies. I had received an email confirmation from XXXX that the fraud alert was in effect. The letter from XXXX said that I should receive written confirmation from both of the other 2 reporting agencies and to contact them at the telephone numbers provided in the letter if I had not received such confirmation. I telephone TransUnion on XXXX XXXX, XXXX and, after wading my way through menus, finally got a human who confirmed that the alert was in place. I asked for written confirmation, either by letter or email to confirm that. I was told that they, TransUnion, was not providing any such confirmation and the only thing she could do was to give me my file number so that I could check in the future to see if the alert was in effect. XXXX told me that TransUnion is required to notify me in writing of this alert being in effect.

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 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XXXX XXXX We obtained a conventional 30 year mortgage from PNC Bank As we did not have enough down we were required to add Private Mortgage insurance ( PMI ) to our loan In XXXX of XXXX we reached out to our loan officer at PNC XXXX XXXX who said the PMI would end in XXXX of XXXX automatically or we could pay Pnc XXXX to have their appraiser reevaluate the homes value See Next XXXX XXXX So I tracked down your loan, etc. Your PMI is scheduled to go away this XXXX. Here is a copy of the disclosure you signed and the instructions required to get it taken away. I know how much you loathe, I mean LOVE details. 
Anyway. In XXXX if you do n't feel like reading this attachment, call me and I 'll help you with it. I know you 've got nothing but time on your hands in XXXX ( ha ha ha ). 
XXXX XXXX PNC As the PMI payment of XXXX for 5 months would equal the XXXX appraisal fee we elected to wait until XXXX for it to end In XXXX I reached out to XXXX XXXX as we were still being charged the PMI and received the following e mail So I checked on this, and now it appears that the PMI will fall away on the XXXX payment, a nice XXXX present, and that you should get a letter in the mail advising such. 
IF you dont get such a letter, let me know. 
Doing it this way doesnt cost you anything. But according to XXXX your home is now worth about $ 650k. So you are in great shape. 
I asked about why we thought it was supposed to come away in XXXX and the service person couldnt answer that. 
Let me know if I can do anything else. 
XXXX XXXX PNC If I had known in XXXX that the PMI was being charged for another year I would have paid the XXXX appraisal fee PNC has pulled a bait and switch on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC has been contacting me about a statute of limitations expired debt. They admit that debt is too old for them to sue me for collection. But they continue to report debt as starting in XXXX 2012 ( when they bought this account ) even though debt is over 7 years old. I have sent cease and desist letter and asked them to remove the expired debt from my credit reports. But they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Hamilton Law Association
State: AL

Complaint narrative:
Hamilton Law Firm continues to call me multiple times a week coneeding an installment loan ( online ) I informed them this was a result of identity theft and they stated they were going to take me court. They called back today even though I spoke with them yesterday and stated the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a loan with XXXX in XX/XX/XXXX for {$310000.00}. My loan number was : XXXX. They filed Chapter XXXX bankrupcy in New York in XX/XX/XXXX as purchase XXXX XXXX ( XXXX ). The CFPB accused the servicers, among them XXXX, XXXX XXXX, XXXX, XXXX, and now Caliber of improperly calculated loan balances, misapplied borrower payments, failed to correctly process escrow and insurance payments, and failed to properly investigate and make corrections in response to consumer complaints. They have compounded these failures by illegally foreclosing upon borrowers loans and selling loan servicing rights to servicers without fully disclosing or correcting errors in borrowers loan files. Mine is such a case and I want the CFPB to file a similar case as those already filed by the CFPB v. XXXX XXXX XXXX et al, U.S. District Court for the XXXX District of Fla., Case No. XXXX, and by the Office of the Attorney General et al v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for the XXXX District of Fla. , Case No. XXXX, also determing who the correct servicer are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a letter to TransUnion in reference to two ( presumably ) credit card accounts from the same company, with the following language : " The listed items are completely inaccurate and/or incomplete, as I have never held any type of accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' On XX/XX/XXXX, I submitted a letter to TransUnion in reference to an account listed under a creditor named XXXX XXXX XXXX, with the following language : " XXXX XXXX XXXX continues to report inaccurate information on my credit report with TransUnion, without sending in proper documentation as proof that the account is in fact my debt ... .Your credit bureau has failed to protect me as a consumer and has not followed the proper guidelines in place to verify debts on my consumer credit file. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' Also on XX/XX/XXXX, I submitted a second notice to TransUnion in reference to another debt collection agency, XXXX XXXX, XXXX, with very similar language. 

As of today, XXXX XXXX, I received a notice from TransUnion stating to contact the creditors directly. TransUnion also failed to inform me of the necessary steps they took to verify these erroneous accounts. I have reached out to TransUnion numerous times regarding various reporting errors, including unknown employers and addresses. I have not received any assistance from this credit bureau regarding any of my requests. Attached are all the letters mentioned.

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 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I submitted a claim with USAA Debit Card Fraud Recovery Department and they investigated the claim and refunded me my monies fro months that beginning in XX/XX/XXXX through XX/XX/XXXX. I had informed them the fraud was from XX/XX/XXXX through XX/XX/XXXX. I was not informed until later that they could not report charges past 180 day or see my bank stamens past 180 day and was asked to submit my bank statements with other fraud charges. On XX/XX/XXXX after requesting for a letter confirming that I had fraud during XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for one of my creditor. Did I receive a letter of apology of there miscommunication? And a request fir a affidavit to confirm charges on fraud that are the same fraud charges that their investigator already confirmed as fraud. Then on XX/XX/XXXX my mother received a harassing call from XXXX a CEO staff Officer from Ex XXXX, ( XXXX ) XXXX. He not only be little my mother by tell her to be quite, he started counting 123 to make her stop talking like she was a child. He told my mother that I was over my statue of limitation and that they would no longer handle my case and would not talk to her. I gave USAA autheration to speak to my mother little do they know my mother is my POA in all my banking, financial and insurance needs ( Legally. ) Then XXXX said he would call and speak to me my mother told him I was n't available. He hung up in my mothers face and went on to call me. Left me a message and had the nerve to call my mother back. The letter that XXXX XXXX clearly sates that they are working on the file and will get back with me at this time, I am requesting a letter from USAA stating that fraudulent activity occurred on my account from XX/XX/XXXX through XX/XX/XXXX by the merchants ( XXXX ). The Debit Card Fraud Recovery Department has investigated these merchants up to XX/XX/XXXX. The actual fraud began in XX/XX/XXXX and continued until noticed in XX/XX/XXXX. During that time I was under a hardship dealing with six family and friends XXXX XXXX and trying to coupe and manage being off at college and barely being able to come home and visit. Neither my mother nor I was able to actually manage and view my account during that time period. The hardest XXXX was my cousin who XXXX of XXXX XX/XX/XXXX and my Uncle who XXXX on XXXX XXXX XXXX. At this time Im respectfully asking for a formal letter to help me with my creditors. Today XX/XX/XXXX my mother received a call and was told I miss managed my account and thats why I 'm not going to have my insurance reinstated or my banking relooked at yet I mother put my insurance money in my account even month to make good on my account and the fraud happen every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I refinanced on XXXX XXXX, XXXX ; title collected the first installment of the property taxes through the refinance and later I found out that my current bank at that time sent the payment for the first installment of taxes to the county as well. 

I contacted the county and they provided me with a print out showing the payment Stearns Lending made for the 1st installment of taxes were refunded back to them on XXXX XXXX. I have been calling Stearns Lending since then to get this refund back and they kept telling me that they are going to send it but they just do n't. Last time I called, I spoke to a manager and he said they just needed confirmation from the payoff department and that the check was on his way. Not sure what confirmation they need since the loan was paid in full on XXXX XXXX, XXXX when the refinanced was finalized.

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 2017-09-26 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: AES/PHEAA
State: VA

Complaint narrative:
American Education Services on behalf of XXXX. 
Student loans debt XXXX Wont lower payments I filed Chapter XXXX Bankruptcy Company has hired XXXX XXXX XXXX to collect. 
Have asked company to speak to my lawyer regarding student loans and after sending the company multiple emails with third party release for attorney. Paperwork goes missing and they continue to say they have n't received documents.
Attorney has repeatedly asked for documents for the trust and how the loan was required through AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
all of the above- until recently..funds not recieved. 

acct locked out repeatedly online ATM refusing balance called a NONCITIZEN after staying over 35 years in this country repeatedly before XXXX. 
locking up of XXXX account unlawfully ( 1st ) to lend my money away wo my consent. 
refusal to allow any account access. 
refusal to allow wire transfer of my money to another bank. 
refusal to authorize XXXX charges for over {$500.00}, resulting in XXXX to fix w XXXX ( unlawful unauthorized chargeback ). 
unlawful account closure w less than required time to contact federal govt to change over treasury benefit payment ( 3mos for XXXX, 2 for XXXX ). 

company tried to slander me ... longshot from " did not meet expectations ''. I charge $ XXXX for slander-Im a XXXX XXXX. 

is doing this and worse to several 1000s of veterans and wants us to shut up online about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM SPEEDY CASH. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR SPEED CASH. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO SPEED CASH, BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inquiry letters from XXXX state applications were placed at XXXX, and XXXX in my name. If doing so I would 've had to present my drivers license. Upon doing so, my name would n't have been submitted incorrectly nor my address. I have already been financing a vehicle since XXXX 2017 from a buy here pay here car lot. So, I had no need to be shopping to finance a vehicle around the dates of XXXX XXXX, and 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 2017-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I HAVE HAD PAYMENT ARRANGEMENTS WITH THE COLLECTION COMPANY REGARDING THE MEDICAL BILL-BUT THE BALANCE DOES N'T SEEM TO BE GETTING SMALLER. AND I HAVE NOTICE THAT THEY ARE ADDING ACCOUNTS BALANCES TO THE ORIGINAL ACCOUNT. AND SOME OF THOSE ACCOUNTS ARE MY EX-WIFE ACCOUNTS. I BELIEVE THAT I HAVE PAID THE BALANCE OF MY ACCOUNT AND DO N'T OWE ANYMORE. BUT I CA N'T GET THE PAPERWORK FROM THIS COLLECTION COMPANY SHOWING WHICH ACCOUNTS ARE WHICH.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: CarMax, Inc.
State: CA

Complaint narrative:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation