vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent a numerous amount of dispute letters to Equifax about  XXXX   XXXX   XXXX  whom is collecting a debt for a company I does not recognize   XXXX   XXXX   XXXX   XXXX  . I written to ask Equifax that i have never had a account with   XXXX   XXXX   XXXX   XXXX   and I would like for documentation that shows that I had a account with this company but Equifax email me stating that this account was VERIFIED which does n't prove that i had an account with this company. The collection agency in which trying to collect this debt is unfairly stopping me from improving my credit by reporting unfairly to Equifax stating I owe  XXXX  the amount {$1500.00} and I have no knowledge of having an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient.com is calling my number  XXXX  every day from different numbers. I have no business with  Navient.  I called the numbers received and I get an automated answer asking for social security number or loan number. Please advise on how to stop these calls..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
lIEN NEEDS TO BE REMOVED AND MY SCORE REINSTATED ... .STATE OF MARYLAND HAS CONFIRMED THIS IS AN ERROR DOCUMENTATION ATTACHED.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). the lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

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 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX 2016 to present, there have been repeated attempts through Amazon.com to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an Amazon Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither Amazon or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both Amazon and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or Amazon. I should be sent notification that another attempted occurred, no action needed, and they have me protected.
This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't Amazon oor Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by Amazon and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with Amazon Chase, and if I was not calling every week to close out new requests that one would have been issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I 'm currently in an active foreclosure and fell behind in my payments. So far it 's about {$60000.00}. I 'm waiting on additional income to come in so that I can become current with my mortgage. There was an unexpected retirement I had to put in for due to medical reasons. This is my primary residence and I have no other place for me or my son to live if my home is foreclosed on.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
To whom it  may  concern : I am disputing a late payment that was reported by  USAA Savings Bank  back in  XXXX -2016, Credit Card number :  XXXX  ( I believe the bill was for  XXXX  2016  ). The reason for the dispute is because I did not receive a bill at the time when my credit card was charged due to moving in  XXXX  2016  from  XXXX   XXXX   XXXX   XXXX , Texas  XXXX  to  XXXX   XXXX   XXXX   XXXX , Texas  XXXX .     Furthermore, when I finally received a bill forwarded from my old address in late  XXXX -2016, I immediately notifi ed USAA of my new address where I then paid bill in full. I then escalated matter with USAAs management team where they updated my new address in their database. While speaking to a USAA manager, I then asked if they contact their credit cardholders when a bill is late and she advised they do not call cardholders for late payments. The manager explained that it was my responsibility to notify USAA when I moved and I advised that I just had moved and was going to notify USAA but was busy  moving. Additionally, I told her that I did n't even know that I had a bill outstanding as the company that charged my card had my account number.     It is also important to note that prior to this late payment being reported by  USAA, my credit score was i n between  XXXX , which is a perfec t credit score rating t hat has taken my entire life to earn for being a responsible person who pays their bills on time. Since then, my score has substantially dropped by over  XXXX   XXXX  points due to USAA not notifying me of the past due bill.     Enclosed, please find a copy of my lease from when my lease was executed in  XX/XX/XXXX 2016. However, I did not move into my new address until late XX/XX/XXXX  Any further questions, please feel free to give me a call.     Yours truly,  XXXX   XXXX   XXXX   XXXX   XXXX  Email :  XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
When Champion/Nationstar purchased our RM from   XXXX   XXXX  , we were not notified until well after the transaction took place. Champion claimed I owed all taxes for     XX/XX/XXXX  bu t I had paid {$3500.00}. to the tax authority, Check #  XXXX , then  4 payments  each of {$5.00}  XXXX  to   XXXX .  If I were notified of amounts involved in the purchase, I could have corrected. Now  Champion  tells me to collect any overpayments myself.   On   XX/XX/XXXX ,  Champion/Nationstar filed foreclosure against my deceased wife ( she died     XX/XX/XXXX   ) for {$16000.00} claiming these were taxes in arrears paid by   XXXX  and Champion . Included were taxes  ( real es tate ) in the amount of {$10000.00} for tax yea r  XX/XX/XXXX  su pposedly not paid. My actual  RE tax es for   XX/XX/XXXX   totaled {$5600.00} but Champion thru their attorneys,   XXXX   XXXX   filed anyway forcing me to pay the full amount of {$16000.00} to keep my home. Only later did   XX/XX/XXXX  remo ve foreclosure but it remained on my credit report.   I have been charged appraisal, inspection and legal fees but when I ask for proof,   Champion declines.
I asked Champion to   increase my RM as dictated by the Obama administration.  Champion uses the appraisal from the beginning of the RM of {$250000.00}. but refuses to a ccept current appraisal of {$340000.00}.   Foreclosure is set fo r  XX/XX/XXXX   even though I disputed all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: AL

Complaint narrative:
XXXX XXXX XXXX is reporting that I have two collection accounts with them on my credit report. I initiated a dispute through the 3 credit bureaus on XXXX XXXX, 2017. All of them came back saying XXXX XXXX XXXX verified account. I wrote and faxed a letter directly to XXXX XXXX XXXX asking them to send me proof and verification that I owe this debt and in the amount of which I owe this debt and the information from the original creditor. The mailed back a screenshot of their computer screen which has a name similar to but does not match my name at all and that does not match my address. In addition to I asked for verification that they are allowed to collect on debt in the state of Alabama, which I checked their licensing and they are not. Furthermore, on that screenshot they list XXXX XXXX account yet they have two accounts on my credit report, one for the cable service and another for the cable equipment but they were linked to XXXX XXXX XXXX  account. I sent another letter after they sent this information with my identification and proof of address and asking that they remove the information from my credit report, as per the FCRA inaccurate information can not be reported and the name and address and phone numbers are in fact inaccurate. This has caused me much stress. Please assist if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On  XXXX   XXXX   2017 t here 's a transaction for  XXXX  that was disputed on  XXXX   XXXX   2017 f or the same amount. I 've submitted vet statements, shipping confirmations, bank statements and paypal refuses to help settle the issue as promised in their buyer protection. It 's become apparent that my continued business with paypal is n't appreciated and that their working in the best interest of a verifiable liar and sca m artist. I 've jump ed through all the hurtles and hoops and they take this ladies word with out and verifiable information, matter of fact she has n't provided any proof of anything yet palpal will not uphold their promise of buyer protection. To make things worse paypal has hung up on me 6 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 non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE: XX/XX/XXXX  PHOENIX FINANCIAL SERVICES LLC  Permit No  :  XXXX  Type : ADAD Permit Approved Date :   XX/XX/XXXX   Date Last Renewed :   XX/XX/XXXX   PHOENIX FINANCIAL SERVICES LLC  XXXX   XXXX   XXXX   XXXX   XXXX       XXXX      XXXX    XXXX , IN  XXXX  Web   :: www.phoenixfinancialsvcs.com Emai l :  XXXX  XXXX  XXXX  Phone :  XXXX  Toll Free :  XXXX  Fax :   XXXX    PHNX FINAN Your company have vi  olated FCRA 615 ( f ) ( 15 U.S .C. 1681m ( f ) ) ( f ) Prohibition on sale or tra nsfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed ite ms may not app ear on my credit report if they can not be supported by any evid ence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under sec tio n 1681c-2  of this title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the a  ssignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under sec tion 1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   
The reference items are listed below please take this matter very serious PHNX FINAN I   have report your company t o consumerfinance.gov A s a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act Lit igation, Case No.  XXXX , in the  U.S. District Court for  the  XXXX   XXXX   of  California  Stop  collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB   XX/XX/XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In   XXXX   XXXX   XXXX    , I contacted ChexSystems via email to inform them that  XXXX   XXXX  had incorrectly reported an address that I have never lived at or used.     On   XXXX   XXXX   XXXX    , I received a written letter in response stating that since the address was submitted by a financial institution it was being retained in my file.     Since the  Federal Fa ir Credit Reporting Act requires them to correct or delete inaccurate, incomplete or unverifiable information within 30 days, ChexSystems is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc.
State: NC

Complaint narrative:
On  XXXX / XXXX / XXXX  I received several phone calls from a number I did not recognize  XXXX   XXXX   XXXX   XXXX . I called and gave the person that answered the phone my name ; company identified as  ARA.  They transferred me to someone that called me by my maiden last name and repeated to me my full social security number. They asked if I had  a MasterCard wit h an outstanding balance of $  XXXX . I told them I did not know what they were talking about and from when. I was transferred again to a  XXXX   XXXX  who informed me that she was collecting a debt from a MC from  XXXX  and that if I did not pay they were filing a lien on me i n the county that I lived in and liens against all of my credit cards ( Naming my credit cards and the li mits on each ). I explained that I paid off this debt and I had the proof at home, that I was currently at work. She said she could only hold the account for  24 hours. I said this was the first I have heard about this and how can she lien me when I have heard nothing about this. She said that they would only give me 24 hours before they started garnishing my wages. I told her that I would get my attorney on th e phone and they could speak to her and she said ok. When I attempted to give her the name and number of my attorney she said she could not speak to her and my attorney needed to call  XXXX   XXXX . I had my attorney call the company and they said they were unable to speak to her and requested her bar number. They said I could call back and give her permission to speak to them or fax them a verification. My attorney advised me not to call these people back and after research we have found that they are scammers. They had all of my personal information including my complete social security number and they fraudulently demanded payment on a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I submitted a complaint prior to the practice o f Ditech and received nothing to say if a case was submitted. Ditech  has been conducting unfair collection practices on a loan that has never been in default. Until   XX/XX/XXXX   Ditech was receiving payments eve ry 14 d ays and not applying payments to principle or payments- they allege that the payment  sent ( whic h was {$500.00} every  14 days ) was a partial payment and that their policy is to hold partial payments until full payments are received to apply. They never did that. They were called every 2 w eeks from   XX/XX/XXXX  to  XX/XX/XXXX     when payments were not being applied correctly causing late fees to be assessed. After involving the IRS and   XXXX   XXXX   they reallocated the funds from the start of the loan. On  XX/XX/XXXX , I  spoke with a director and a representative from loan processing and told my loan was prepaid until   XX/XX/XXXX   However, when the re- allocation was done, it was done incorrectly causing the loan to go in default. This prompted a visit from a  Ditech  representative leaving notice on my door on   XX/XX/XXXX     and to receive to collection notices on the  XX/XX/XXXX   and  XX/XX/XXXX - I  urge you to refer to recent compliant filed on  XX/XX/XXXX   -  XXXX . As of recent, my mortgage insurance company contacted me to make me aware of c hanges made to my coverage. They sates and supplied that mortgagee now reflects Ditech Financial LLC, its affiliate, and or Assigns. An ainquiry was immediately sent to Ditech because in    XX/XX/XXXX     Ditech sent a privacy letter stating that my social security number could be shared  with any of their affiliates. I immediately served a cease and desist of disclosing any of my personal information only to   XXXX   XXXX   the owner of the loan and no one else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I made a payment to my mortgage company online on  XXXX / XXXX /  XXXX  . The online instructions said that because the payment was made on a Saturday, it would not post to my account until Monday  XXXX / XXXX /  XXXX  . They payment was posted and funds were successfully withdrawn from my checking account on  XXXX / XXXX /  XXXX  .     I have attached proof from my bank account showing the check was paid in full. This information has been provided to my loan servicer.     My mortgage company then reversed the payment and says that bank did not honor the online check. My mortgage is now showing  30+ day s past due and a late fee has been assessed.     I submitted proof that the funds successfully came out of my account on  XXXX / XXXX /  XXXX   and disputed the reversal. They keep telling me they are looking into it and have not made any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Card Services  closed my Credit Card account for no reason after sending a claim through Consumer Financial Protection Bureau in regard an overdraft on my checking and saving account. My  Saving a ccount had been closed for 3 months now and they did n't close my credit line, now because I 'm trying to protect my rights and I 'm complaining about them, they closed my account. My voice needs to be heard, and it will because I 'll make sure of it. Customers need to be protected by they right and they need to do they right thing, not what they think is right. I think this is  XXXX  of those cases where Bank employees, because that 's what they are, employees abuse power and diminish citizen rights. Is this something a customer ca n't do anything about? I really need this Bank punished for how they treat customers and I 'll be complaining with every and each protection agency that had ever existed in the  U.S. W atch me.

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