vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Ref  : Complaint Number   XXXX   Wells Fargo Home Mort gage provided an answer to above captioned complaint, but did not address the complaint.     My complaint invo lved Wells Fargo 's alleged fr aud in forcing me under threat of foreclosure to take an ARM with sharply increasing interest rates to replace a  XXXX   XXXX   XXXX   while a federal law suit addressing  XXXX  was in the process of being settled. The settlement terms were announced shortly after I was pressured into signing the agreement to t ake the ARM. One of the settlement terms was the exclusion of borrowers who received a subsequent mortgage. I allege that this was a deliberate act to exclude certain borrowers from the benefits of the settlement. Subsequently I received notice from the settlement administrators that I was eligible for a mortgage modification ( MAP2R ) which eliminated accrued interest and reduced the principal. I was told by the bank that I was not eligible. My home has been foreclosed and a sheriff 's sa le is imminent. The bank refused to discuss a modification of any sort except a HAMP modification for which I am ineligible.     I believe fraud is a criminal act and should involve a criminal investigation.

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 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: United Debt Holdings, LLC
State: FL

Complaint narrative:
I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last  4 of  my  SSN wr ong. And when I said it was wrong continued disclosing. Stated to me I had until   XXXX   XXXX   today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a panic disorder and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sol d it to United Debt Holdings . .. .which is who I talked to yesterday. I have both #  s a nd the reference #. They probably have me listed as   XXXX   XXXX  . My last name has now changed. I will not provide my SS # because they did n't have the la st 4 right t o begin with.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lived with a foster parent years and I pulled up my credit report. I found out that she is using my name and information without my consent. I have n't lived that former foster parent since     XXXX   So she should n't be using my information. I also saw some things on my report that was n't from me and it shows my name being used in ways that I do n't spell my name.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Perhaps this is just an oversight or result of high volume of disputes you receive daily. I highly doubt an agency that is responsible of maintaining accurate information would neglect to follow the laws that govern them on purpose. I am sure you will want to tend to my request as soon as possible.       Incorrect Name :   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL   XXXX   This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.      XXXX   XXXX   XXXX   XXXX  FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       Incorrect Social Security Number :   XXXX   This SSN is incorrect and is not an accurate SSN for me. Delete thi s SSN  and any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN an d any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN a nd any accounts associated with it for violating the FCRA.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been a client for Bank of America for o ver four yea rs I have never been late on my payments. I have always paid before time and sometimes I pay more then what 's the statement show.     On the month of  XXXX    XXXX   they allowed my credit line to be over  XXXX  without my permission or prior authorization.     But nevertheless the bill was {$930.00} and I paid {$950.00}. When I pay my bill it was on  XXXX   XXXX  because the last transaction that I used was on  XXXX   XXXX . And the total transactions at the closing date of the  six wa s {$930.00} They did an adjustment to the credit for {$39.00} and they call that annual fee that was built on  XXXX    XXXX  . But I did notsee that on my online statement when I paid the bill.     I called Bank of America a representative was very cooperative and they assured me that it will be taken care of and they will take it out my credit report. Call was made on  XXXX   XXXX    XXXX   I received a letter on  XXXX   XXXX  stating that the 30 days was valid and they can not change it. After I was being assured that it will be handled and taken out of my record.     Thanks

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Northwood Asset Management Group
State: UT

Complaint narrative:
Northwood Asset Management Company   calls my phone several times per day leaving messages that either myself or my representative need to return their calls. When I have called back I am not told what they are trying to collect for so I do n't even know if it is something legitimate. They have not sent me anything in the mail concerning the debt. Just ask where they can find me so they can serve me with papers to sue me. I am in Utah and I know this company is either in NY or Florida but when they call it 's from a number that looks like it is a local Utah number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Our credit card was taken while we were on vacation in  XXXX  and ran for a fraudulent amount. The receipt that was turned in to  XXXX  was an obvious forgery. We have provided  XXXX  with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud.  XXXX  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  XXXX  pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged  XXXX   pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in  XXXX  where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when  XXXX  called asking for the receipt.  XXXX  has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in  XXXX  and once again by  XXXX . Please help.     References ( a common scam in  XXXX   )  : http :  XXXX  https :  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 monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO DISPUTE 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Cod e  1611 -   Criminal liability for willful and knowing violation In review of my home equity documents that I received on   XXXX   XXXX   XXXX  , I do not see a rig ht of rescission pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions. This is a violation of the consumer credit protection pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Collector called multiple times even after i told them to stop .The person they are calling for i do not know told them that several times but they continue calling!!!        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 explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
IN  XXXX  OF   XXXX   I REFINANCED LOAN NUMBER  XXXX  WIT H WELLS FARGO TO A  NEW LOAN WHICH WAS SUBSUMED BY  XXXX   XXXX   XXXX . I RECENTLY SOLD THE HOME  BUYT WELLS FARGO ERRONEOUSLY CONTINUED REPORTING THAT THE HOME WAS STILL IN DEBTED TO THIS LOAN ( WHICH THEY ULTIMATELY PROVIDED A LETTER STATING THAT IT WAS NOT ). HOWEVER THEY CHARGED A {$1500.00} FEE ON THE DAY OF THE CLOSING IN ORDER TO RELEASE A WRITTEN DOCUMENT WHICH WAS REQUIRED TO SHOW THAT THEY HAD MADE A MISTAKE AND THE LOAN HAD BEEN SATISFIED. IT SEEMS CRAZY THAR I HAD TO PAY {$1500.00} FOR THEM TO WRITE A ONE PAGE LETTER CORRE CTING THEIR MISTAKE.

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 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I 've applied for mortgage with EverBank on   XXXX    despite providing all the required information on time, the underwriting failed to close the loan on time  (   XXXX / XXXX /  XXXX   ), resulting in additional and unnecessary financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
IQ Data International, INC     XXXX   XXXX     XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX  Reported to my credit negatively last on  XXXX / XXXX /  XXXX  . The alleged debt was originally for  XXXX  and now the debt is  XXXX . I do not own this debt. This debt belong to my ex spouse that was in the military and discharged and labeled unable to   XXXX   due to  XXXX . I had to sign the lease because I was over the age of  XXXX  and they needed to run a background check. I had NO income which was clearly marked on the application. I have requested the debt be removed from my credit report permanently and null and void. I do NOT own this debt. They have not removed this debt nor acknowledge the true ownership of this debt. I do not own a valid contract as a co-signer on this application or debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In the previous year, I had an income-based repayment plan for my consolidated student loans through  Navient ( formerly   XXXX   XXXX   ). D ue to unemployment, I was put on a hiatus, where I was told I did n't have to pay on my student loans, but I could pay on my interest if I wanted. By phone, I was told my next due date to pay would be   XXXX   XXXX   XXXX    . In  XXXX , I received an email from  XXXX  stating I had to refile for an income-based repayment plan for the current year. I went online to file at studentloans.gov and they gave a choice : start my repayment on the agreed upon date or the repay earlier. I chose to keep the date I had agreed on earlier :   XXXX   XXXX   XXXX    . They created an application stating I was to start paying in  XXXX . There must have been some kind of glitch in the system. I called  Navient a nd they said that they could not fix the application but I could apply for a forebearance for  XXXX  and   XXXX  . I do n't want to do that because I might need a forebearance for later.  Navient c alls me every day and emails me mildly threatening emails about paying and recently added late fees on my account. I called  XXXX . They 're being shady. The last person I spoke to, who said she was a  manager, said they could not change the application, but I could refile an application for inc ome-based repayment. I am going to do this but I do not feel it will solve my problem. I think t hese two :   XXXX  and navient are in cahoots with  one anot her to get more money out of us. If I am saying it is a glitch, why ca n't they just make an adjustment to my application? If I really wanted to start paying earlier, this would not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Back around  XXXX  of  XXXX , I learned that I had an account with  XXXX   XXXX   XXXX     XXXX  for which {$300.00} was due. I understand that   XXXX   XXXX   placed the account for collection with  Credit Protection Associates. App arently, part of this collection effort included reporting it as a collection to several consumer credit reporting agencies.     I contacted   XXXX   XXXX   directly, explained I did not get any final bill or other notification, and paid   XXXX   XXXX   the {$300.00} they said was due.   XXXX   XXXX    said they could contact  CPA and in struct them to delete the tradelin e CPA had   previously reported, not just mark it as paid.     As of  XXXX   XXXX ,  XXXX , the tradeline is still being reported to the major credit bureaus, such as  XXXX  and  XXXX   XXXX . I have disputed this accoun t three times , requesting they delete it. Each time they have simply updated the report as paid, and as such it remains a negative on my credit as a collection. Moreover, neither dispute has resulted in the account being reported as disputed, which I am fairly certain the law requires.

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 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
This compan y ( Ditech ) to ok over my mortgage loan and t he 1st paym ent was due  XXXX / XXXX / XXXX . All monthly payments have been made when the statements were received. All was going w ell ( one statement per month )  until  XXXX   XXXX  when I began receiving more tha n one billing s tatement per month, sometimes as many a s three  per month, which were all paid when received. All billing statements came with identical paperwork, stating amount due, a return coupon stating " detach + return with payment '' and return envelope. I contacte d Ditech and they  advised they would fix the problem. I do not recall when I contacted them or to whom I spoke to, perhaps a year ago. I incorrectly assumed the issue was resolved. On  XXXX   XXXX ,  XXXX  I received a notice to send an additional amount to adjust an escrow deficiency or my payment would be increased. I did so, but I received another statem ent (   XXXX / XXXX / XXXX   ) no t reflecting this change. I contacted the company aga in (   XXXX / XXXX / XXXX   ) to m ention the multiple monthly statements and why the increase in payment amount. I also requested a written statement confirming the due date of my next payment. On  XXXX / XXXX / XXXX  I received another billing statement with only a slight increase in original payment, but not the " same '' amount as mentioned in the request to keep my original payment the same. Not once in the twenty-eight mortgage payments made, did I ever indicate I was sending additional funds to be applied to my mortgage loan principal or interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Please see the attached findings from  XXXX  's  XXXX   XXXX ,  XXXX  investigation. The date of payment, actual payment, scheduled payment amount and date of last activity are all incorrect. In addition, my  XXXX   XXXX ,  XXXX  report does not reflect  XXXX ,  XXXX  and  XXXX   XXXX  reporting. The following should reflect a s : 1. D ate of Last Payment :  XXXX   XXXX ,  XXXX  not  XXXX   XXXX   2. Actual Payment Amount : {$1200.00} not {$1200.00} 3. S cheduled Payment : {$1200.00} not {$1200.0 0} 4. Dat e of Last Activity :  XXXX   XXXX  not  XXXX   2016 See  CFPB complaint numbers  XXXX  and  XXXX

Company response to consumer: Closed with explanation