vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
NCC BUSINESS SERVICES continued to attempted to collect the wrong amount of a debt they claim I owed. The account NCC  BUSINESS SERVICES claims I owe is incorrect and not accurate and they have not provideed enough information to verify the debt they are attempting to collect. I have documentation showing the original amount owed to the original creditors were paid. NCC BUSINESS  SERVICES has threatened me and threatened that my credit would be damaged if I didnt settle the debt in question. I summited documents and demanded they reinvestigate this debt at once and NCC BUSINESS SERVICES failed to do so and notified me of their reinvestigation status or results. NCC BUSINESS SERVICES  continued to contact me and I requested they notify the 3 credit  bureaus and have this incorrect debt/collection account removed and the representative was very rude and used profane and abusive language. I then told the NCC BUSINESS SERVICES representative  to stop contacting me, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In one month ( XX/XX/XXXX ) our investment home will be paid off, yet Wells Fargo still will not drop the PMI that is attached to this loan. I talked to someone at XXXX XXXX and they said the PMI should have dropped off when the loan reached 65 %. We never got a letter from Wells Fargo stating we had reached that threshold and I have called numerous times to ask why we didnt get a letter. I have also called numerous times to ask why the PMI didnt drop off automatically when we reached the required threshold. We were told this loan is set up to never have the PMI dropped. I told them this is against the Homeowners Proection Act of XX/XX/XXXX, but they are standing firm that is stays on for the life of the loan, Now they are suggesting that we get a BPO or Appraisal done, but that is pointless when we will have the house paid for in one month. Wells Fargo should not be allowed to keep the PMI money from the 65 % threshold to now-thats wrong and totally goes against our signed contact and the Protection Act.We are getting no where with them and need additional help, please.

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 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: LA

Complaint narrative:
On XX/XX/2019, I mailed a Validation of Debt Letter to the collection agency, IC SYSTEMS COLLECTIONS. 
They are reporting to the credit bureaus that I have a debt for XXXX. 
I have NEVER received any information about this debt in the mail or via phone call, before it showed up on my credit report. 
It has been 30 days since IC SYSTEMS COLLECTIONS has received my letter, and HAS NOT RESPONDED.

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 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
I kept denying to get my frist personal loan and I'm new to credit score and I have a payment in like 3 more days left from today ... why can't I get one? I have bad credits or good credits I just started I should be able to get a chance so that I can fix my credits

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have spoken and written to TIAA bank for months trying to resolve a trivial matter. My property was recently reassessed for property taxes and as a result all 3 of the taxing authorities will lower the bill for 2019. I have written and spoken to TIAA and despite the passage of several months they have not responded, despite being given documentary evidence of a new assessment and its promise to contact the relevant taxing authorities to get an updated estimate. As a result I am likely paying hundreds of extra dollars into escrow and am carrying an escrow balance far in excess of federal limits.

Secondly I forwarded via fax and mail a borough tax bill to TIAA bank, it has yet to engage with this letter or make any effort to communicate its intent to pay this tax bill in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I had a credit card with BARCLAYS BANK DELAWARE that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted Barclays trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called XXXX and XXXX and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties BARCLAYS BANK DELAWARE and XXXX XXXX. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.

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 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My monthly plan is automatically debited from my bank account every month with an agreed upon payment of XXXX. This month they charged me XXXX with no prior notice, no explanation of why my monthly payment was raised and still claim I am past due. This over charge put me in the negative with my bank which activated an negative balance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My current mortgage is with Ditech. They have missing payments on my account when they found the {$6000.00} mistake they want me to pay all the late fees on the money they missed placed. They said they bounced a bunch of checks which I have not. And now I am facing foreclosure they will not take my money according to their attorney I am actually not in foreclosure. They overcharge my percentage rate and I have been on making homes affordable for several years. Their customer service is extremely horrible And extremely XXXX  and no one is willing to help. I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgage is starting with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and now Ditech. Which in fact they put me on the no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years I have all my documentations and I want to save my home. Ditech is the worst company and I have been bought out by several different mortgages starting with XXXX XXXX XXXX, XXXX, XXXX and now Ditech. Which in fact they put me on a no call list so nobody can call me I do not get any sort of monthly statements in the mail. I need help because Id like to save my mortgage Ive owned my home for 14 years

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon checking my credit score I came upon information containing credit card and loans of some sort on my credit file I was advised to fill out this form to get this situation handled

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 2019-02-20 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: NY

Complaint narrative:
Upon checking my credit score I came upon information containing credit card and loans of some sort on my credit file I was advised to fill out this form to get this situation handled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am trying to save my house from foreclosure. I have applied for a modification but Mr Cooper has refused to send to the investor. They told me I have excessive obligations, which I do not. They also told me that they could not lower my payment. I am trying to avoid foreclosure, so if my payment goes up, that is ok. I am upset that Mr Cooper did not send to the investor for review and that I had to file a bankruptcy to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ),  was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to  prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XX/XX/XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative several times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF. 

Any documentation needed can be provided upon request.

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened this card with a {$2000.00} credit limit in XX/XX/XXXX I have never paid this card late I have always paid way above the minimum payment due I just received a credit limit increase in XX/XX/XXXX bringing my credit limit up to {$5000.00} my balance on the card has never gone over XXXX % and then in XX/XX/XXXX my credit limit was dropped to {$600.00} while my bill was {$580.00} bringing my card to 90 % percent usage and dropping my credit score when I asked XXXX 's XXXX XXXX for a reason they would give me and increase and then a massive decrease in 30 day timespan I was told due to them checking my XXXX  score and it was a XXXX that is completely false I pay for my credit score from all 3 major credit bureaus directly and my credit score has not been in the XXXX 's at all and there was no ding to my credit from XXXX to XXXX to prompt any issue and in fact XXXX 's affected my credit by putting me so close to the limit and increasing my debt ratio I want my credit limit increase or this card closed I have attached my credit report from XXXX to 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 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Starting in XX/XX/2017 Bank OF AMERICA called me about fraud use on my debit card ... it aslo showed from XXXX  deducting over {$1000.00} ..beside other deductions. 

XXXX charges continued 4  times a month ... unauthorized for the next year. 

Since last year 4 charges a month has been deducted from my account ... i filed each time w bank and now after numerous calls and discussions they inform me i should of filed these claims as unuthorized charges vs. fraud charges .. 

THE BANK FRAUD DEPT HAS ALL THE CLAIMS. 

THESE ARE THE CLAIM ID NUMBERS.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not see any of these charges on thes claims being deducted from my account. 

One charge this past XX/XX/XXXX was for {$1800.00} when my monthly payment is {$76.00}. 

Poor communication W banking employees not knowing how to help their customers filed correctly. if it is fraudulent naturally it is not authorized. 

They told me once claim is filed one way it cant be refiled another. im out about {$9000.00}.

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 2019-02-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I had a Nissan Lease account From XXXX until XXXX. The account has been closed but still reporting as open. Last week I called to make the payment that I owe them. Spoke with a woman named XXXX on the recorded line. She explained that the debt is old, it should no longer report to my credit, and they are no longer pursuing me. I called to pay it off in good faith. It now is being reported as a negative account when it shouldnt even be on my reports anymore. Its an account thats been settled in good faith. Its 8 years old. Ive tried to dispute it but can not. This has dropped my credit from XXXX to XXXX. Harming me terribly. Please let me know what can be done here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one took an unauthorized payment of {$1600.00} out of my bank account on XX/XX/2019. Capital one admitted to my bank, XXXX XXXX, and asked for a letter to return the funds to my account. Now they are saying they will not give the money back after admitting the payment was unauthorized. Capital one contacted my bank on a 3 way call numerous times on a recorded line and admitted that the payment was unauthorized. This has happened 3 or 4 times to my account because capital one has no security and let 's anyone call and make changes to the account. I had a password but capital one removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XX/XX/XXXX -- Contacted XXXX. Spoke with a rep who acknowledged the error and said he would take care of the issue. He never called back XX/XX/XXXX -- Contacted XXXX again. No assistance. Contacted the Corporate Office and was advised by Rep that the information should not been reported to the Credit Bureau since the entire amount was in error as XXXX continued billing me through XX/XX/XXXX even though I terminated services on XX/XX/XXXX when I moved to another state, I was told someone would call me in the evening, but I did not hear from anyone. 

I also contacted Southwest Credit Collections and spoke with a rep. She stated she could do nothing until she hears from XXXX. She stated she had not been contacted by XXXX so that the information could be removed from my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My original lender was XXXX XXXX XXXX ; this loan was considered a private loan that my parents took out to pay for my college education. XXXX XXXX XXXX had switched servicers to XXXX XXXX. The original promissory note I have, shows my father as applicant # 1/borrower, my mother as applicant # 2/co-borrower, and myself as student. This loan originated in XX/XX/XXXX. My father and I share the same name and I feel that has added confusion. My father always made the payments on this loan, as well as, collected tax documents and deductions on this loan, as the borrower. In XX/XX/XXXX, my father passed away from XXXX. My mother contacted XXXX and she was told about loan forgiveness. She submitted my fathers death certificate and she waited 32 days for an answer. Unfortunately, they did not approve the loan for forgiveness. Instead, XXXX has switched me, from student, to borrower and my mother stays as co-borrower. How did I go from being a student on a promissory note, to now the sole borrower? I have called XXXX, and it has been unsuccessful. I have requested documents including the denial letter stating why the loan wasnt forgiven as a result of my father 's death, the promissory note they have on file, as well as the loan terms indicating that I am now legally responsible for this loan. I have had no success in retrieving these documents. I have been told that I am not entitled to these documents from XXXX and to contact XXXX XXXX XXXX for the promissory note. I was told by a XXXX representative that the promissory note they have on file is not legible and she couldnt confirm who was supposed to be borrower/co-borrower. I have contacted XXXX XXXX XXXX, for a copy of the promissory note, by email. I was told by XXXX XXXX XXXX that they do not have the promissory note and to refer to XXXX copy. I have responded to their initial email, requesting more information and they have not responded. There is no contact information for XXXX XXXX XXXX, just an email address. I am doubtful of the information I have been given. I feel I should be entitled to a copy of the denial letter, as well as a legible copy of the promissory note. I would also like to see a copy of the loan terms indicating how I went from being a student, to now the main borrower. I want documentation, and feel it is my consumer right, to have proof that XXXX has that ability to change borrowers and to choose who is made responsible. Though Im hopeful for your timely response and subsequent resolution of my issues, Im fully aware of the 'not-so-positive ' reviews/feedback given to XXXX XXXX and, therefore, will be prepared to submit additional complaints to the XXXX XXXX XXXX , and the Ohio Attorney General.

Company response to consumer: Closed with explanation