vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was with wellsfargo for years.I was going to the ATM to get money that I thought I had. They always gave me the money and kept charging the overdraft fees. I have a XXXX XXXX and I was n't always keeping track of my account. I feel they took advantage of this.

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 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
Okay on  XXXX   XXXX    XXXX   XXXX   informed me that a collection account was place on my credit report. It says a medical collection the collection is from a hospital visit in  XXXX   XXXX  which was paid by my  XXXX  I called  XXXX  and they informed me that yes they went back all the way to  XXXX    XXXX   and paid bills from when I was n't insured as is required by law! I contacted this company  XXXX   XXXX  and informed them of this as well. I never received any documents letting me know about this suppose debt or anything it just popped up on my credit out of the blue right when I got m y credit score up and ne gative information removed and paid

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 2017-06-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX I gave countrywide XXXX. To purchase a home, I was just got out of XXXX moving from XXXX to XXXX I got a job with the state. When everything done I got a mortgage that I could n't afford I Contacted countrywide on XX/XX/XXXX occasion to no avail for 2 years I struggled paying the mortgage borrowing fro family members and friend until I could n't get money from no one. I got into foreclosure Bank of America came into the picture offers me little to nothing. A friend referred me to XXXX XXXX XXXX paying them more than 400.00 a month beside other fees I paid in order to help me to keep my house this was another excruciating pain, I had no clue who my lawyers were, never had any info of what 's was going on beside me begging them for information to no avail. Others that I paid for modification, they ran with my money. I did a bankruptcy including my home the bank removed itself from it. I requested a modification with Bank of America they denied me stating I do n't make enough money, the same money I have when I purchase the home. I paid {$300.00} to have a mediation Bank of America said I was not qualified the only thing they could do for me they will sell me the home for XXXX I have to give them {$30000.00} I do n't have they foreclosed my home. I have no money no money to rent I 'm homeless because I trusted people. My last day in the home is XX/XX/XXXX I do n't yet where I am going to live probably in my car. My boss gave me this site to write this complaint.

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 2017-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I was contacted by a debt owed. I paid the amount they stated after written notice was recieve in the mail. The representative stated it would not be reported tot he credit bureaus if I made immediate payment, so I made payment as soon as I received an official notice in the mail. After checking my credit statement, I have found they did in face report to all three credit bureaus and even left the mark " Settle from less than owed ''. The original debt is marked as XX/XX/XXXX and I was contacted by them in XXX of XX/XX/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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Greetings! I am filing an official complaint against Select Portfolio Servicing , Inc., XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX for continuing lies and unprofessional attitude. I have an existing loan with SPS - XXXX and I have set up an automatic bill pay with my banking institution. In XXXX I made an accidental double payment in the amount of {$3500.00}. Once I discovered my error, I promptly contacted them and requested that they wire me back the money to my bank account on record, and have faxed them numerous times all the pertinent information - XXXX routing number, account number and the contact information of my banking institution. The last week has been, mildly speaking - XXXX on earth. Different reps telling me different stories, tossing me around from extension to extension, putting me indefinitely on hold and just dropping the connection at will. So, finally, they promised that today, XXXX I will have the check overnighted. To me, such an attitude where you tell your paying customer a whole bunch of lies and just never bothering to do the right things is just unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
We are selling our home with a short sale due to us being unable to make the payments any longer. We have two loans, primary through XXXX XXXX  and HELOC through an investor being services by SLS ( Specialized Loan Services LLC ). Both XXXX and secondary lien holder have approved the short sale. XXXX has given us a deadline of XX/XX/XXXX to close the sale or they will begin foreclosure. However, SLS ( who do not own the loan but simply service it and get paid for it by the investor ) hs made everything possible to jeopardize the closing before the deadline. They have been very slow to provide documents needed for the closing, they have sent the wrong documents and despite daily calls from us and our realtor they refuse to meet the deadline for the closing. we feel they have been doing this intentionally because they get paid service fees for the loan and once the loan is closed they will no longer be paid. Their inaction is leading us to foreclosure and we feel we have done everything within our power to complete this short sale and avoid foreclosure. SLS is jeopardising this short sale, despite prior approval by all parties and we need your help.

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 2017-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: AL

Complaint narrative:
Took a payday loan out with castle Payday in  XXXX   XXXX   2013  ... there were hidden fees I did n't know about until after . ... Well  now 4 years later I get a call about suing me ... They threatened to serve me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
- I opened a Citibank interest checking account using the {$300.00} bonus offer promotion  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ).    - In compliance with the offer, I made a deposit of {$15000.00} on  XXXX / XXXX / 2017 , and also completed the direct deposit requirements.   - According to the terms, the bonus should have posted within 90 days of completing the offer requirements (  XXXX  ) - However, they asked me for additional tax documentatio n (   XXXX   )  on  XXXX   XXXX , even though I had provided all the necessary information with my application. I submitted the tax documentation on  XXXX   XXXX  which was delivered on  XXXX   XXXX , but I still have not received the {$300.00} bonus in compliance with the offer.

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 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: WY

Complaint narrative:
SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.

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 2017-06-22 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: AR

Complaint narrative:
I found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
On XXXX of XXXX I have noticed a debt had been added to my credit report in XXXX it state it was opened in the state of Ga, I had contacted the company but was n't very much successful in getting the problem resolved. XXXX XXXX, XXXX I sent the company a certified HIPPA letter for them to verify this debt that they claim I owe. I gave them 30 days to respond I have not received anything to verify that this debt is mines. It is now XXXX the XXXX XXXX still no verification. By law if they ca n't verify that this is my debt it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Not transferring data to other applications

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently reviewed my credit report ( because I became suspicious after receiving various calls from countless collection agencies calling my house ) on XXXX XXXX, XXXX, via XXXX and therefore, I became aware of odd credit card accounts lodged on my credit report which does not belong to me. I am classifying this incident as a breach of my personal identity and thus reporting this as fraudulent activity against me. I was a prior victim of identity theft back in XXXX, while XXXX during my eleven and a half years in XXXX XXXX ( this situation seems to be never ending ). Now, I am finding out I have fallen victim to the same circumstance like XXXX incident, in which my mother filed the police report on my behalf during my XXXX and placed various fraud alerts and a credit freeze on all three credit files, plus reports with other government agencies. I have filed an online identity theft report with www.identitytheft.gov, ref # XXXX ; filed a credit bureau fraud alert at XXXX  confirmation number : XXXX ; and filed a fraud alert with the Federal Trade Commission at www.consumer.ftc.gov, ref # XXXX. I did not authorize, collude, conspire, or give authorization, or grant permission for anyone to open up any credit card account in my name, nor did I have prior knowledge of any accounts opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NV

Complaint narrative:
Bought a prepaid visa card at the local supermarket. Card was compromised and US Bank reps ( phone # on card ) are indefinitely delaying a fraud investigation ( 60 days so f ar ).

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 2017-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed certified letter off to Experian and per my tracking number the letter was received XXXX XXXX, 2017. I am disputing 8 inaccurate accounts that are being reported by Experian. I requested that Experian Please send me copies of the documents that they have in your files as of this date ( XXXX XXXX 2017 ) that they used to verify the accuracy of the accounts listed. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I have received no response from Experian to this date. The incorrect information that is being reported is effecting me in a negative way. I was recently denied an apartment due to the incorrect information that is being reported. There is a high probability that I will be homeless if they dont correct the issue as soon as possible, since my lease is up. Accounts being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A request for validation made pursuant to 15USC 1692g Sec. 809 ( b )  of the FDCPA was sent to the credit bureaus XXXX certified mail USPS for the alleged debt with midland credit management/ midland funding llc asking them to " validate '' and NOT verify the alleged debt by providing a signed contract between myself midland and the original creditor. I did not receive what was asked for because no contract exists. I do NOT owe money to Midland Credit Management /Midland Funding LLC . I am not responsible for this debt there is NO CONTRACT with their company. Midland is continuing to report invalidated information to the 3 bureaus and this is fraud under both federal and state laws and does constitute me bringing legal action against Midland for violation of the FDCPA and Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
One   XXXX   XXXX ,  2017  G  C Services repo rted an unpaid account to my   XXXX   and   XXXX   credit reports. G C Services does not have a license to collect a debt in the State of GA. They are violating my rights per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is fraud, I never used acknowledged or submitted to any service with the stated company. I have contacted the credit bureaus to have this removed but was unsuccessful.

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 2017-06-22 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: TX

Complaint narrative:
This is fraud, I never used or acknowledged any services from this company, I have written to have this fraudulent activity removed but I have been unsuccessful.

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 2017-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I have asked the pay day loan Comapany many times to stop calling my work my phone or me. They keep calling daily. They called my work. After I asked them to stop. XXXX the cash store XXXX Texas. She 's rude. Does n't listen. I want it to stop.

Company response to consumer: Closed with non-monetary relief