vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was previously using XXXX XXXX XXXX to help clean and correct my credit. They were sending letters on my behalf that I was unable to view prior. As of XXXX I have been the sole communicator in regards to the collection agency. I have repeatedly ask that send me documents doing a complete verification of the said debt. I have specifically asked for the orginal contract signed ( as the debt has been sold to another collection agency. Both are reporting the same debt ) I am also asking for clarification on how they came to the specific amount owed. Neither company has sent me the requested documentation. Instead the current collection agency just keeps sending me the same document saying that they are not going to respond even though they have yet to send me the documents in question that I have asked for several times. 
The orginal company that the debt started with is not even bothered to respond to any letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
We bought and closed on the home in XX/XX/XXXX. We live in an area where there has been some appreciation. We have also made some improvements to the house. In XX/XX/XXXX we contacted Wells Fargo Home Mortgage in XX/XX/XXXX to review our options to remove PMI. We were sent a letter dated XX/XX/XXXX that outlined our options. One of such options was to pay {$100.00} for a third party XXXX XXXX XXXX XXXX XXXX XXXX. This is the option we chose. We were told, and the letter stated that our property needed to be valued at {$290000.00}. The Broker, who was also a licensed Appraiser provided his report with a final valuation of {$300000.00}. With our loan balance under {$230000.00}, this put us not only under 80 %, but closer to 77 % LTV. When I followed up with Wells Fargo after receiving a copy of the final report, the Wells Fargo representative stated that we did not meet the requirements, as the investor now required a Loan To Value of 75 %, rather than the previously documented 80 %. The representative I spoke with could not answer any of the questions I had regarding the process and why we were sent a letter that stated 80 % LTV was sufficient, then when we met the requirement it changed to 75 % LTV. I requested to speak to a Supervisor, who stated they would look further into the matter and review the appraisal further. I was told we would be contacted by XX/XX/XXXX with a resolution. On XX/XX/XXXX my wife was contacted and told that they were still reviewing the appraisal and would be back in touch soon, again, with resolution. We have not heard anything from Wells Fargo since.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch
State: UT

Complaint narrative:
XX/XX/2019 Complaint against : AutoPay XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : DISPUTE REQUEST : Unauthorized Hard Credit Inquiry On Tue, XX/XX/2019 at around XXXX XXXX XXXX, my credit was pulled by AutoPay without my permission. I did not authorize for them to submit an auto refinance application that will result to a hard inquiry on my XXXX Report. This is clearly a violation under the Fair Credit Reporting Act ( FCRA ).  Proof of email documentation will be provided upon request. 

This is to request for an investigation on the matter and to remove such inquiry from my XXXX credit report. We appreciate you looking into this matter. 

AutoPay has been informed of my request and they have been advised of my right to pursue any and all available legal and equitable remedies for this case.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NM

Complaint narrative:
Im applying for XXXX XXXX XXXX XXXX Loan forgiveness and need a pdf of my payment history. Id requested the payment history and submitted it in a word document format, but then was informed it needed to be submitted as a pdf by XX/XX/XXXX. I called my loan servicer on XX/XX/XXXX to request this. I was instructed to try saving the website as a pdf, but that didnt work. I called again and was told it could be done but would take longer to process, that it could be ready XX/XX/XXXX. I repeated this to confirm since it was the same as my due date. Today is XX/XX/XXXX and by the time I finished work, I still hadnt received the pdf so I called again. I was told that getting it as a pdf is never possible and thatwhile they could see both phone calls from XX/XX/XXXX, no action was taken after the second XX/XX/XXXX call. Furthermore the most they will do for me is review the calls and provide further training to anyone who misinformed me, they will not do anything to compensate me for {$20000.00} in loan repayment if this means my application can not be accepted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX. I received a letter from Department of Supervision and Regulation. Consumer Compliance. In XXXX & XXXX I learned that Tax Identification numbers were created on me, without my knowledge. I only have the last four digits of each identification number 's. One was used in the bankruptcy court in XXXX. This is how my mail was being stolen. My personal information was being used as though I had a business. The last four digits of the EIN # is XXXX. The name of the company is called XXXX XXXX XXXX. The second EIN # is XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX , my late father. The EIN was created XX/XX/XXXX with XXXX. My father was deceased at that time. My personal information was linked to that EIN account. Please notice the envelope reads XXXX XXXX XXXX. XXXX XXXX is listed. XXXX XXXX and her sister XXXX XXXX put their mother in a nursing home. They are now abusing her retirement benefits. The address shown on the envelope was sold by the sisters in XXXX. To avoid authorities. The account I had with Regions Bank I made my sister, their mother my beneficiary. The address is XXXX XXXX XXXX XXXX TN XXXX. Their mother had a XXXX and is a XXXX. They chose to put her in a nursing home to take her retirement. They abused my personal information also.

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 2019-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX ARE REPORTING AN UNPAID ATT XXXX XXXX XXXX FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MO

Complaint narrative:
PMI was not removed when it should have been. LTV had to be 78 % or lower and completing 60 months of payments to remove PMI. Requests were sent numerous times to Home Point Financial requesting that it be removed. Finally a response was given on XX/XX/18 stating that LTV was at 68.1 percent and 70 payments had been made so PMI would be removed within 7 business days. We requested back pay for the previous 10 months that were wrongfully charged. So, already 10 months had passed with PMI not removed. PMI is still being taken out each month and it has not been removed. Home Point Financial is not communicating to the requests. We were told to email them and have not had any luck with responses. We want PMI removed and we demand back pay for the months that is has wrongfully been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a letter dated XX/XX/2019, from Chase bank, stated that they are ending the relationship with me. They didn't provide any details which leads them to close my accounts. I recently started a new business and my spending pattern got changed. It was really a tough time when my accounts were closed being a new business owner. They closed our 4 credit cards, personal checking, business checking, brokerage and retirement accounts. I would like Chase to explain why they closed my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX ARE REPORTING AN UNPAID XXXX XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT 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 2019-03-27 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
DIVERSIFIED CONSULTANTS ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT 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 explanation
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX BALANCE.

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 2019-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I am unable to speak to a live person concerning an issue with my account. 
Avant -XXXX This is preventing me from resolving the issue. The company sends same form letter over n over and will NOT let me speak to person to discuss/so they can understand to resolve. Runaround to defraud/run up charges. 

NO MORE GENERIC FORM LETTERS. CONTACT ME BY PHONE TO DISCUSS. so I can explain it to you so you can UNDERSTAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, the respondent sent me a letter inviting me to apply for loan modification. Unknowing to me at the time of the invitation, they had done an appraisal on my house it has appraised at close to XXXX XXXX of the balance of my loan. The house appraised for only {$450000.00} whereas the balance of my loan was {$860000.00}. The respondent knowing fully that XX/XX/XXXX was the last year for the XXXX program that allows homeowners whose properties are underwater to refinance and their new principal would be based on the appraised value of the property. The respondent advised me while they were walking me through online application that there is a note on my file that I should be approved for XXXX program. However, after submitting my application and prior to the deadline they gave me to submit the documents they requested they sent me a letter of approval and gave me a deadline to make my first payment. Their approval letter never indicated the terms of the loan modification. No interest rate or principal was disclosed. It was after they had received my first payment that they now disclosed to me the appraisal they had done on XX/XX/XXXX. Also it was then that they disclosed to me that my loan modification is not XXXX but a trial modification. They had baited me with an XXXX  program and switched to a trial loan modification in order to locked me into the higher principal balance and prevent me from going to another lender and refinance or do a loan modification under XXXX that would considerable lower my principal balance and my interest rate and consequently lower my monthly payment. This would be the second time that Select Portfolio Servicing, Inc would deliberately prevented me from participating in a federal program that would have allowed me to lower my principal balance to conform with the appraised value of my property as mandated by the government. In XX/XX/XXXX after XXXX had informed me that they had approved me for the HARP program, they colluded with XXXX and the investor for my loan to acquire the servicing of my loan. Again in XXXX of XXXX after realizing that the value of my property has depreciated further and knowing fully that the HAFA program that would allow the principal balance on my loan to be adjusted to the market value would be ending, they baited me with a promise of an HAFA program and switched it to trial loan modification after the program has ended. Thereby denying me the opportunity to participate in a federal relief program that I was eligible to participate.

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 2019-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX  BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX BANK/XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX BALANCE.

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 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.

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 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: VA

Complaint narrative:
I sent a cash for deletion written contract along with a money order certified/return receipt to XXXX XXXX. The contract and money order was received by XXXX XXXX on XX/XX/2019. The money order was deposited on XX/XX/2019. XXXX XXXX did not delete the tradeline or negative information from my credit reports. This was the binding agreement of the contract if the money order was cashed. 

XXXX XXXX has violated simple contract law by depositing my money order and not fulfilling the binding agreement. XXXX XXXX must now remove this tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
This creditor continue to send XXXX  that they verified the account as accurate. Where are these supporting documents I want to see the documents they are using to verify these fraud accounts as belonging to me? This accounts do not belong to me and I had already placed a fraud alert on my credit report. XXXX and XXXX  have removed these fraud accounts and XXXX  continue to investigate with out showing me valid documentation from the investigation. From my understandin you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct If you do not have valid documentation by law you can't file such collections on my report. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( With Valid documentation )

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 2019-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX/XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Someone used my personal information and applying excessively for credit and i called Transunion and their customer service would not help and take care of the negative inquiries reporting to my credit report. Ive been a victim of identity theft

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 2019-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank branch # XXXX XXXX located in XXXX, FL. took our check made out to Wells Fargo Home Mortage, and showing our correct loan number for our mortgage payment due XX/XX/19 on XX/XX/19 at their Drive-up window teller. They then sent out a receipt for transaction # XXXX XXXX, XXXX XXXX., XX/XX/19 Credited XX/XX/19 showing the correct amount paid. 
My husband looked at the very faintly printed receipt and checked to see if the amount paid was correct. It was the correct amt. so he pulled away out of the bank drive-up. 
On XX/XX/19 and again on XX/XX/19 we received a total of three Robo-calls listed on our caller I.D . as being from " Wells Fargo Ban '' and showing three different toll-free numbers. We thought these calls were from scammers spoofing a bank. We called Wells Fargo Bank and we were informed that we owed two mortgage payments and that the calls were from them. 
The receipt we had said our mortgage payment was credited as a " credit card '' pmt. to an acct. ending in XXXX and not to our loan number. We have NO credit card accts. with Wells Fargo so we believe that our mortgage pmt. was credited to a bogus acct. even though my bank statement shows our check ( drawn on a different bank ) was cashed by them on XX/XX/19. We are concerned that they have opened a bogus credit card account ( s ) to which they credited our payment. 
We have spoken to them about this but we are still concerned that we may have bogus accounts opened by them and that we were targeted for a mortgage foreclosure action.

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