vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
Pacific Western Bank foreclosed our home in XX/XX/2014 and sold it for more than the loan amount that the money we owed them. We lost our home because they refused to extend the loan so they could take it and make more money. 
Then the bank said that we owed them {$210000.00} in attorneys fees and other fees for {$90000.00}, that's a total of {$300000.00}. Our attorney said that the bank can ask for interests which makes the amount now {$400000.00}. The bank didn't lose money when they took over our home and sold it. The bank has been harassing us for 5 years and continues to harass us and wants to take whatever we have left. This bank actions have caused us a great hardship which has created severe trauma in our lives by continuously attacking us and threatening us. They now want to take the home we live in and another property too under their carefully planned scheme.

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We opened two Credit card accounts with Bank of America in XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX we took advantage of several promotional offers by initiating Balance Transfers totaling {$22000.00}. We used promotional checks to transfer monies to a higher interest rate XXXX Mastercard ( memo on checks clearly shows the intended use as " Balance Transfer '' ). The checks were part of promotional material sent to us by mail. The offer description clearly states that in order to qualify for the offer, a Balance Transfer or Direct Deposit must be completed by calling, online banking or by using the attached checks. In addition, the offers stated that after promotional offers expire, existing balances for Balance Transfers will go to a variable APR rate.

After each promotional offer expired, existing balances for each Balance Transfer were incorrectly moved to a Direct Deposit/Cash Advance category and higher interest rates corresponding to this category were charged until XX/XX/XXXX. 
The offer material did not state that Balance Transfers can not be made with attached checks. Only XXXX Transfers occurred and only Balance Transfer interest rates should have been charged.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2018 I contacted Equifax and submitted disputes online for the accounts listed as XXXX with the amounts of {$75.00} and {$190.00}. There is no information provided such as company name, contact information or that this is mine. I worked with a financial advisor and we could not find any company or contact information nor anything linking this to me. I was advise this is fraud. On XX/XX/XXXX I was notified by equifax that the information shown on my report was accurate but provided no information how to contact this company to either resolve or remove this if it is not mine. Currently, it is still on my account and I have resubmitted another dispute on XX/XX/XXXX to dispute this again as it is still fraudulently on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
XXXX XXXX, 2009 Wells Fargo filed a FRAUDULENT FORECLOSURE COMPLAINT : Wells Fargo and its attorneys XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Wells Fargo acquired my personal information via committing identity theft Wells Fargo took my personal information and fabricated a foreclosure package. Fraudulent at the time of filing this foreclosure complaint # XXXX. 
Wells Fargo claimed to be the owner and holder of the Note and Mortgage which they never had the assignment or Mortgage nor Note they where not the original lender nor was the mortgage transferred or sold to Wells Fargo from the true original lender. XXXX XXXX came to court to inform the Judge he has never had any contractual obligation to Wells Fargo seven months from filing the case Well Fargo did not produce proper documents to the court. The court wanted proof of an assignment since Wells Fargo was not the original lender they never produced the proper documents to prove their standing to foreclose. After XXXX XXXX, 2009 ... see order clearly shows that Wells Fargo was not the original holder of the note or Mortgage. Two days after on XX/XX/2009 Wells Fargo attorneys filed FRAUDULENT assignment ... .PLEASE SEE EXHIBIT A-2 See fraudulent assignment of Mortgage that was recorded XXXX-09 this was filed seven months after the fraudulent foreclosure complaint was filed notice The assignment has no LOAN NUMBER therefore its invalid. The assignment of Mortgage was never presented to the court but it was recorded with the recorder of deeds office. In order to conceal the Fraud Wells Fargo filed a motion for substitution of Judge from CALENDAR 53 TO CALENDAR 64 this was done without submitting the previous order from the original judge from calendar 53 this was done in order to conceal fraudulent foreclosure. 

IN CLOSING : This foreclosure was filed by stealing and acquiring my personal information to fabricate a fraudulent foreclosure package to deceive the court therefore commiting fraud upon the court. The Note sent via email and certified mail in this instance constitutes mail fraud in a continuous scheme to steal property under code # 18 U.S.C.1341

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am a victim of identity fraud. There are 2 credit cards that I have not open or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I know nothing about the debt being charged against me, I only came to know about it when my credit score went down and I checked with credit karma to see what had affected my credit score. I  discovered a case of debt collection of $ XXXX.This is a fraudulent charge because I have never had any dealings with this company, nor have I ever heard of them. There has never been any communication, verbal, written or otherwise between any companyand myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Disputed an account twice with TransUnion and XXXX XXXX XXXX XXXX to correct inaccurate account information. TransUnion responded back to both disputes stating the account is " accurate '' as it and it will be staying on my credit file. My previous auto account with XXXX XXXX XXXX XXXX is closed as of XX/XX/2019 and has a {$0.00} balance. This account is NOT an accurate reflection of the accounts ' true status which is a perfect payment history, paid in full and closed as of XX/XX/2019.

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 2019-05-20 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: AL

Complaint narrative:
I called EQUIFAX after i GOT a alert to check my XXXX..for NEGATIVE remarks..once i logged in i found that every single account with EQUIFAX was being disputed..i had requested on line ABOUT a week or to ago..to dispute 2 items..1 was with XXXX XXXX & the other with XXXX XXXX XXXXXXXX..1 WAS ON THE PHONE WITH 2 DIFFERENT REPRESENTATIVES AND THEN I ASK FOR THE MANAGER OR  SUPERVISOR.. 
I EXPLAINED THAT SOME ONE SOME HOW ON THIER END MADE A ERROR ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT CARD ... ALL THESE ACCOUNTS ARE MY ACCOUNT AND WAS NOT DISPUTED BY ME..I EXPLAIN THAT THESE ARE MY CREDITORS. THESE ACCOUNTS OR OPEN AND IN GOODSTANDING.. 
BUT THE SUPERVISOR INSISTED THAT SHE SEEN WHERE I WENT ON LINE ON THE XX/XX/2019 AND DISPUTED EVERYTHING ON MY EQUIFAX REPORT AFTER ABOUT A HOUR AND 1/2 I TOLD THE FEMALE I WAS SPEAKING TO THAT THEY WOULD BE HEARING FROM ME AGAIN ... WHY IN THE WORLD WOULD I DISPUTE MY ENTIRE EQUIFAX CREDIT REPORT IT DIDNT MAKE SINCE. 
IF I FILLED THESE DISPUTES ON THE XX/XX/2019 WHY IM I SEEING RESULTS ON XXXX..SOMEONE PLEASE HELP ME IVE HAD ENOUGH OF EQUIFAX AND THIER ERRORS ON MY CREDIT REPORT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/2016 i was XXXX  in the XXXX. I had medical insurance that was supposed to cover all costs. Plus the XXXX got away free and clear while i apparently had to get the worst end of it all. I suffer and he didn't. If their were any costs to pay he had to pay them. Plus, again i had insurance to cover my pain.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my 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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account does not belong to me, I was incarcerated for some time and just was released on XX/XX/2019, and I'm demanding that this account ( XXXX XXXX {$520.00} ) and all and any accounts associated with it be blocked from my 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 2019-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
The car loan started on XX/XX/2013 in the amount of {$21000.00}. The monthly payment is {$520.00}. More than 5 years has passed and they show the loan balance is {$19000.00}. Only {$2000.00} has been applied to the principle. The trade in value is {$3000.00} and private party sale value is {$6000.00} according to XXXX XXXX XXXX. This is just not right. The loan has over a year to go before it reaches maturity. 

They are also incorrectly reporting the payments to the credit bureaus and affecting my credit in a major way. The information they are reporting does not match the information on my statements. 

I am completely trapped! This is without a doubt extortion! 

The lender is Consumer Portfolio Services located in XXXX, California.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I called them I think XX/XX/XXXX or XX/XX/XXXXsomewhere on them dates they said I had to call XXXX  and get the dates of the inquiries they said they couldn't do nothing about it they attempting to collect the wrong amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
It is my understanding that during the process of working with your mortgage company to find an equitable solution to making monthly payments, my account should be on " inactive status '' and/or do not report missed payments. XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX the mortgage company XXXX reported missed payments. From XX/XX/XXXX through XX/XX/XXXX I was working with the mortgage company to find and equitable solution to assist in making my monthly payments. I was initially approved for forbearance program until they deemed me ineligible. I attempted several times to have my loan refinanced and/or modified but was unsuccessful. I was placed in foreclosure proceedings and attempted to have a HUD approved nonprofit organization ( The XXXX XXXX ) find solutions to keep me from foreclosure. During the foreclosure mediation, the mortgage company 's attorney, XXXX XXXX representative and I reached an agreement to have the outstanding balance paid by a HUD approved program. This never occurred because of non communication between mortgage company attorney and HUD XXXX XXXX. Because of this lack of communication, the mortgage continued to go unpaid and accrue more late fees and attorneys fees. I was eventually approved for a loan modification in XXXX of XXXX, the total ( {$26000.00} ) amount of missed principal, interest, late fees and attorneys fees were added to the back end of the mortgage, interest rate increased, terms extended back to 30 years which increased my monthly payment by {$240.00}. 

As a result of this entire experience my credit scores have been severely impacted coupled with the unnecessary stress during major life threatening medical treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.

Complaint narrative:
XXXX XXXX XXXX XXXX opened a store account and XXXX Credit Card is issued by Comenity Bank, for someone who incorrectly entered my email address. They did not at any time verify that this email address was correct. 

I am now receiving repeated emails about this account, including credit card statements and they provide no means of redress. The emails are all sent from do-not-reply email addresses and any means of getting support requires full log in. 

I contacted them via XXXX on XXXX XXXX, their response : " ... can you kindly provide additional details of the emails you are receiving? I.e. marketing emails, XXXX credit card emails, order confirmation emails? '' my reply : " Hello, all of the above. Can you send me an email address & I'll forward them to you. '' their response : " Hello XXXX, you can remove your email from our database by clicking unsubscribe at the bottom left corner of the email. '' my reply : " No I can't, because they are account emails. You let people set up accounts with other people 's email addresses. '' There should be a law against sending email 's with no possibility unsubscribe without first verifying that the email address is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN AND XXXX XXXX XXXX XXXX ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... EXPERIAN AND XXXX XXXX XXXX HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO XXXX XXXX CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX XXXX XXXX WHICH EXPERIAN AND OR XXXX XXXX WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
XXXX XXXX XXXX XXXX. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE XXXX XXXX CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... XXXX XXXX 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT XXXX PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... XXXX XXXX. 
HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE XXXX WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT XXXX STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE XXXX WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME .... 
SO WHILE XXXX WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND EXPERIAN GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?

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 2019-05-20 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: FL

Complaint narrative:
THE concern- I opted in to receive alerts to potential risks to my credit score. 
Then I started received alarming emails that my credit cards and personal information are at risk plus did I know that the deep web is extremely capable of instantly wiping me out, its virtually impossible to find them and get my money back, regain my credit ... BUT, EXPERIAN will come to my rescue for a FEE & MEMBERSHIP of $ $ $ . 
Isnt this a CONFLICT OF INTEREST? 
This is one of THE BIG THREE that is capable of reporting and affecting the publics ability to get a job, car, house! 

I have also contacted the Florida State Attorneys Office regarding my concern Experian was able to market themselves, use scare tactics, exploit seniors AND be one of the top three credit reporting companies? But guess I didnt make myself clear? I received a form letter to fill-out to correct any false information Experian may be reporting. 
Please advise. 
Thank you-

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 2019-05-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, a foreclosure action was filed against our property. See attached LIS PENDENS. Under Florida Statute 673.3081 ( 1 ), a homeowner has the right to challenge any signatures on the promissory note. Under the same statute, all documents filed or attached to the foreclosure complaint are presumed to be authentic while the burden of proof falls on the defendant. On XX/XX/XXXX, A Qualified Written Request under RESPA was sent to XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc. The company failed to acknowledge receipt of the document within the statutory time set forth under RESPA Law. Pursuant to 12 C.F.R. 1024.36, the company are required to acknowledge the request within 5 business days. See proof attached that it was faxed to the company and received. Before sending the Qualified Written request, we contacted the company and communicated the reason for the Qualified Written request, the company responded by providing the HR department fax number and stated that HR would be the responding to the RESPA request. As of the day of this complaint the company has remain silent to our request and failed to abide by RESPA Law. We have every right to question the authenticity of the signature reflected on the promissory note. The note contained an allonge naming XXXX XXXX. We ask that company the following question : 1. ) Is XXXX XXXX an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? 2. ) Has XXXX XXXX even been employed by XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? If so when did it ended? 3. ) Can you provide any proof that XXXX XXXX was an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? Under the above Florida Statute we have every right to have these set of questions answer.

Company response to consumer: Closed with explanation