vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am not clear on the details of all transactions. I have been trying to reconstruct the timeline and have made calls to the companies numerous times inquiring about the changes to my mortgage, but they would not allow me to obtain them or outright lie to me. Someone refinances my house many times an it is not in foreclosure. Rather sold to my brother for a quarter of its worth with my signature giving him the gift of equity and purportedly giving me a right of refusal in two years.

Prior to this I paid all payments to XXXX XXXX, but apparently there were 2 separate mortgages on my house from two separate banks. Im still unclear exactly what occurred, but there were multiple transactions and I was unaware of them, nor did I benefit from them in any way. 

XXXX, an mortgage co I only learned of around XX/XX/XXXX appears to have had a mortgage on my house since XX/XX/XXXX along with XXXX XXXX. 

Payments appear to have been made to both banks, but Im unclear on how or what account they came out of. 

Whoever refinanced appears to have stop making payments or a time period elapsed Around XX/XX/XXXX and foreclosure proceedings were sent to me for different dates, times and places.

In response, I used Keep Your Home Ca to save my house when it was in foreclosure and my mother as POA helped me with all the details. Im learning now that both XXXX, Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, the mortgage broker and possibly someone very close to me all played a part in obtaining all such mortgage transactions as they appear to all be done online and use the same signature page of A GFE I initiated myself in XX/XX/XXXX. 

I have documentation of inquiries and now subsequent to the sale to my brother Im left with nothing. Not even the right of 1st refusal which would have allowed me to either repurchase my home of 17 years for what I sold it to him for, or it be sold and equity split between us fairly according to my years in the house, my gift being repaid and market value according to its unique value. 

Ive been given nothing, rendered homeless and have no recourse.

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 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent multiple letters to dispute the charges they had put onto my credit, and had asked for proof of everything that I received at the hospital and they did not provide me with any information. They kept telling me it was verified, and would not prove the accuracy of the information 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 explanation
Consumer complaint received 2018-05-29 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: WI

Complaint narrative:
**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XX/XX/XXXX, we finally reached a supervisor at XXXX XXXX that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: WI

Complaint narrative:
**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XXXX, we finally reached a supervisor at XXXX XXXX  that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.

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 2018-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
I noticed a week ago via a credit alert that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. I was unaware of the account and called the company on XX/XX/XXXX requesting the account be validated because I did have first hand knowledge of the debt. I also received no notice this account was about to go into collections prior too. I was told I had to validate the account myself via XXXX XXXX XXXX XXXX XXXX because that is where the funds were deposited. the account is from XX/XX/XXXX and I am almost certain I had no account with this bank past XX/XX/XXXX. 

I am 100 % sure that this company legally has to send me some written validation regarding the debt they claim I owe. I looked up the original company who states I owe this debt ( XXXX XXXX ) and they are out of business so I have no ability to call them and validate if this account is real nor not either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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 — Card was charged for something you did not purchase with the card
Company: GreenSky, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I contracted with XXXX XXXX XXXX to install solar panels on my home. They provided financing through XXXX XXXX. I ended up cancelling the contract and offered to pay any out of pocket costs incurred in the week from signing the contract to the date of cancellation. This merchant initially charged me {$6500.00} in expenses due ( see attached list ). These charges included two reports ( a set of permit drawings and an engineering report ), see attached. According to the list of costs, those two documents should have totaled {$800.00} ; however, I still have no proof these were actually paid for by the merchant. 

He later submitted to Greensky {$11000.00} in expenses. The merchant and Greensky failed to provide proof of these expenses when asked. I have spent over a year disputing these charges with XXXX XXXX. On XX/XX/XXXX they informed me via email they removed {$7900.00} which left a balance of {$3100.00}. They attached documents to this email I was unable to open. I emailed back stating the documents needed to be resent as I could not open them and never got a response even after multiple email requests. 

In XXXX, I received an invoice for the above charges and contacted them right away to sort things out. My first concern was that I never received the documentation supporting the charges and the second was the invoice showed late charges. 

Greensky has been extremely uncooperative. They have not provided any documentation to support the charges. The merchant is out of business and has also not provided me with proof of payment. When I asked Greensky to provide proof of the charges, they stated they don't require proof from the merchant. 

Having no other recourse, I've since filed law suits against both the merchant and Greensky for fraudulent and unsubstantiated charges. 

In XXXX, while refinancing my home I discovered that Greensky reported me late 30 days, 2 times for the two statements I never received. I contacted Greensky again and was told they mailed them to the same address as the one I received and therefore there was nothing they could do. 

Due to their reporting me late for invoices I never received and assumed I was still disputing, it has had a serious negative consequence on my credit score which ultimately may lead to losing my new loan on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an account with XXXX XXXX for a XXXX phone. The web portal for this website is deceptive in that after you set up automatic recurring payments to pay the minimum balance due, the company takes a payment of the entire balance. I was supposed to pay the minimum amount of {$33.00} in XX/XX/XXXX, but the recurring payments took the full balance of {$630.00}. I noticed this incorrect amount in XXXX and called in for a refund check and adjustment. They processed the adjustment on my account and added back the credit of {$600.00} to my balance on XX/XX/XXXX but never sent the check. Synchrony said they sent the check but it was never received. Over the course of the next two months I had to call in over 20 times to speak with multiple representatives to get the check sent. Every single time I spoke with a representative, they said the check was on its way and it had been shipped. I finally got ahold of a manager in late XXXX who said that nothing had been sent and that they would reprocess the check to be sent. Finally, around XX/XX/XXXX, I received the refund check and thought everything was fine. Only to login a month later and see that they added another credit of {$600.00} to my balance. So now, XX/XX/XXXX, my balance is 2 times of what it should be and I have to go through the process of working with their customer service to fix this issue when it shouldnt be an issue to begin with. 
It seem like most of their customer service representatives are poorly trained and are not empowered by the company to provide a positive customer experience. However, I wonder if this is all done on purpose and everything is hard to complete in hopes that their customers will give up and therefore Synchrony will come up on their customers losses. I am a college graduate who speaks XXXX as my native tongue and it was this difficult for me to get this done I can only imagine how difficult this process is for someone who does not speak XXXX as their first language, a segment which, I imagine, makes up a large percentage of Synchronys customer base.

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 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: IL

Complaint narrative:
I had a private student loan with SoFi that i switched over to them a couple years ago once I took it away from XXXX XXXX due to a better interest rate. I was paying on it on time for awhile and then I got a new job in a completely different industry. At that time, I had to take a significant pay cut until I would build my book of business. ( sales ). I ended up putting the payments on deferment multiple times because i just couldn't afford it. I ended up getting a promotion and have been trying everything possible to get this rectified. SoFi ended up sending me to collections and they don't understand what I am trying to do. I have explained multiple times I am trying to either have SoFi take the loan back so I can start making payments again or allow me to consolidate with another lender in order to go back to paying monthly. The problem with finding another lender to take over the loan is every one of them instantly deny it due to this loan being in collection status. I have reached out to SoFi and they dont know what to do either so I am lost. I have made a few {$500.00} payments with the collection agency as well who won't stop hounding me daily and they just keep telling me to pay the full amount off which isn't possible without consolidation from someone else. Please help, I am able to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I called Ally Financial in XX/XX/XXXX to obtain my payoff amount. I wired the payoff amount through my bank. I have been waiting on my title and today XX/XX/XXXX, I received another bill for a another monthly payment but isnt due until XX/XX/XXXX. Its there mistake for not giving me the correct amount and I dont think I should have to pay this amount. Its absurd. They are a joke as to a finance company and I plan on suing them and my attorney will go after them for legal amounts that incrue for his time and any other fees that he see fit.

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 2018-05-29 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: HW Holding, Inc
State: VA

Complaint narrative:
I settled a debt with XXXX XXXX in early XXXX, and they have yet to update the three credit reporting agencies. The debt was paid as agreed in the settlement. The balance is XXXX, but is still being reported at over {$2000.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC
State: MD

Complaint narrative:
On Tuesday XX/XX/2018, GC Services called the mother of my girlfriend, claiming that she was listed as a contact point to reach me concerning a financial matter. They attempted to ask her to divulge personal information pertaining to me which she did not provide. I never listed her as a contact point for any debt repayment processes. Under the FTC I believe it is illegal to contact third parties in regards to my personal financial information. I want to report this company for unlawful deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Victim of a predatory Refi loan in 2007. It was suppose to be a cash out but a time of closing the XXXXongress Title closing agent said that the mortgage company is not doing a cash out just a conventional refi. Therefore the closing agent did not have all the closing docs including the HUD. She had me sign whatever docs she had. Later I discovered she signed the HUD and the appraiser fraudulently appraised the house. Appraiser stated that the house had gas and electric utilities when in fact it has below and underground oil tanks and oil heat. Never had gas utilities at property. Comps were inflated and done in another areas. Appraised {$95000.00} above market value. Today, lawyer is trying to foreclose using robo signed docs ( assignments, Mortgage, note ). CODI violations as well with multiple assignments.l have been in the foreclosure process of more than 9 years with two docket # s in XXXX County Court Hon XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened a private loan with XXXX in 2003 through XXXX XXXX XXXX. A few years ago unknown to me, I received a letter from a third party stating my account was in collections. I have been making regular monthly payments to the credit collection agency for the 2 plus years of XXXX per month. On my credit report, I have a charge off from XXXX even though I am still paying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP
State: OH

Complaint narrative:
Key bank ( at XXXX from the XXXX ) continues to call daily, on multiple occasions, attempting to collect on a student loan despite multiple cease and desist notices have been issued ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX XX/XX/XXXX, at XXXX XXXX ) and has repeatedly called after deferment ( for continuing XXXX education ) has been filed through my federal loans servicer, XXXX XXXX. I believe this constitutes harassment on Key Banks part.

Company response to consumer: Closed with explanation