vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NC

Complaint narrative:
Begun to seek a review for loss mitigation of any kind to bring my loan current and Selene Financial employees are inadequate. This is a very stressful process and when the servicer of your loan is contridicting themselves and keep asking for documents you have already sent, it needs to brought to higher attention, I initiated a review the week of XX/XX/XXXX. Upon the review, I was advised to send in outstanding docs. 
Advised by supervisor to send in outstanding docs : Husband contribution letter ( I am not receiving income ) His bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All of his expenses Sent in everything on XX/XX/XXXX XX/XX/XXXX supervisor advises outstanding docs : Contributor needs to sign the application Profit and Loss statetement for contributor since he receives a XXXX ( independent contractor XX/XX/XXXX statment ( supervisor verified XX/XX/XXXX and XX/XX/XXXX on fille ) Sent everything in XX/XX/XXXX Called in to Selene Financial to be updated on review, supervisor ( XXXX ) again tells me about outstanding documents : Letter from me indicating I am not receiving income Husbands XX/XX/XXXX tax returns XX/XX/XXXX statement ... sent in XX/XX/XXXX Called today XX/XX/XXXX and was advised by one representative my husband income would not qualify as a contributor!!! 
Supervisor ( XXXX ) wouldn't confirm or even verify all docs that have been asked for up until this point have been received. 

Spoke to XXXX ... she verified all docs had been recieved on XX/XX/XXXX. 
She advised me I have not given them to review the packet. I asked what was the time frame of documents being reviewed. She advised 2-3 days and I had not given them time to review. Today is XX/XX/XXXX. Its been almost two weeks since I sent in what was requested In the meantime, the last bank statement expired on XX/XX/XXXX. 

I am believing the review is being conducted by several underwriters that is not looking at the whole picture of all doc requested. Its too many hands on this one loan. My heart goes out to anyone else in this situation. The package, according to what as been asked, seems to have been completed since XX/XX/XXXX. My loan is becoming more deliquent each month. I will not loose my house because of anything I done wrong. I have complied with this company and request for the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting collection accounts on my credit report when they are not authorized by having a collection agency bond in the state of NJ. I have contacted the NJ Secretary of State and  was told that there is no bond on file for XXXX XXXX XXXX. They also told me that XXXX XXXX XXXX XXXX, which is the parent company of XXXX has 2 bonds that expired on XX/XX/2018. NJ state law statutes ( N.J.S.A. 45:18 et seq. ) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. With this newfound information I demand that all accounts being reported to my credit be deleted IMMEDIATELY as XXXX is completely breaking NJ state law and has been doing so since XX/XX/XXXX when I disputed these accounts. 

They are reporting 9 accounts that should all be deleted. Account Numbers are below. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2018-07-25 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This company, WELLSFARGODEALERSERVICES, did a hard inquiry online to get information. I never authorized them to do this inquiry. Do to their inquiry, my credit score dropped. What can I do to sue them for fraud? This occurred on XX/XX/2018. I was informed through credit karma on XX/XX/2018. The address is XXXX, North Carolina 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 2018-07-25 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: DE

Complaint narrative:
Equifax continues to report fraudulent XXXX XXXX  account on my profile along with the fraudulent address associated with the XXXX XXXX XXXX XXXX, I have relentlessly provided them the needed information to correct it. 

Equifax is the only credit reporting agency reporting this identity theft fraud address as an previous address, I was never associated with this address, remove. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX. It is the address of the person/s who stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: NY

Complaint narrative:
I didn't know which way to turn but for years on my credit report there is a Texas address that I have never lived. 

I would like to know how to get that off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: OH

Complaint narrative:
XXXX XXXX from Transunion was unable to help me remove 8 fraudulent inquires on my credit report. She asked me the names of injuries I was calling about and when I told her the names of them she said she could not disclose any of results of the dispute by phone. I verified all my information and she still stated that she could not help me. I asked to be transferred to a supervisor. After 5 minutes, I was then transferred to XXXX XXXX. Again, I had to say all my information such as Address, Phone Number, and social security number. I was a little nervous doing this as I feel I just gave out all my information. I realized that the last names of the people that I just spoke to had the last names of colors. I voiced my concerned that I was concerned that this might be a scam. I asked XXXX where they were located and she said that we were on a secured line and this call was being answered away from the united states. I am really worried not that I just gave out all my information to a potential scam artist. I am upset that I have been a victim of identity thief and it is very difficult to get Transunion to delete hard injuries that were not done so by me. I am now struggling to fix my credit by this credit bureau. I had asked XXXX when I would receive the dispute information on the 8 inquires that I placed on XX/XX/2018. XXXX stated that it was completed and sent yesterday on XX/XX/18 and should have gotten an email regarding the disputes. I told her I had not received an email yesterday as she stated and asked if it could be resent to my email address. I had to give her my email address since she said she could not give me any information out. XXXX did say she can send me a copy of my credit report in the mail that I should receive in the next 5-7 business days. XXXX also gave me a number for supposedly the online dispute department to see if they can help. I am very worried to give that number a call since I feel like this credit bureau, Transunion is scamming me and not helping me fix my credit as I have been a victim of identity thief. They were not able to send the results of my dispute via email. When I called the online dispute department, I spoke to XXXX XXXX and had me say all my information again. She did confirm that I did call in today and said the 8 dispute inquires have been resulted and that a new credit report will be sent to me in 5-7 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Bonded Business Services, Ltd.
State: CO

Complaint narrative:
During XX/XX/XXXX I paid a medical collection item directly to collection agency Bonded Business Services. The payment was for {$220.00}. The item was a result of an insurance company dispute that was resolved. I paid the item with the understanding that Bonded Business Services would remove the item from all three credit reporting agencies as it required to under FCRA XX/XX/XXXX. Bonded Business has refused to do so despite three letter demands.

Bonded Business should remove any and all information re this paid medical debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XX/XX/XXXX/XX/XX/2016 BBVA Compass Bank said I owed them around {$19000.00} for a signed promissory note. I asked them multiple times to send me a copy of the signed promissory note and that keep sending me a unsigned copy of a note.

Their is not a signed note because Compass and myself never signed one. See attachment of what they kept sending me. Since then, they wrote off the note as a charge off, turned it over to XXXX XXXX XXXX, and reported on my credit reports that I defaulted on their alleged note. I asked them and continue to ask to show me the signed note, which their is not one. How can someone default on a note that was never agreed to and signed by the 2 parties. Any help would be appreciated.

Thank you.

XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Mr. XXXX of XXXX or whoever is reading this email : I am a XXXX year old senior citizen who is not particularly savvy on the computer. When I was ordering a product on XXXX I noticed that if I received an XXXX credit card I would save money. I have been ordering from XXXX for many years using my Chase Visa card. When I was approved for the card, I was not told that the automatic default for payment would be the XXXX credit card on all future orders instead of my usual Visa card. The default payment was changed without my knowing this. I then made several purchases which unknowingly was charged to the XXXX card when I thought it was being charged to my usual visa card. I did not discover that you changed the default payment method until I had placed several orders in XX/XX/XXXX and XX/XX/XXXX. Once I found out that I was paying through the XXXX card for the XX/XX/XXXX order, I immediately asked that the payment be changed to my Visa card. Your company representative failed to tell me that other orders were charged to the XXXX card. I received no notice from your company that a monthly bill was due. I only found out that I was being charged on the XXXX card and that I was charged a late fee when I called Chase Visa on another matter. There was no notice sent to me that I owed money or how much was due or that I would be charged a late fee. I have never been late on a payment my entire life since I always have auto deduct. I couldn't find out how to get auto deduct on the XXXX card. This business practice is at best very deceptive, especially for senior citizens who are not savvy on using the computer. The very least you should do is let people know that if a customer orders an XXXX card they will have to change their payment method back to their usual mode if they don't want to use the XXXX card or they will be charged. You should also inform the customer when the bill due date is and that there will be a late fee. Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I'm writing because I applied for, and was approved ( XX/XX/2018 ) for a  Chase Slate credit card with a credit limit of {$4000.00}. I received my card in the mail XX/XX/2018. My card offered a 0 % interest for 15 months and offered a balance transfer with the same interest rate. I transferred a balance ( {$1100.00} ) from another card as my first major transaction. I then called Chase and notified them that I would be traveling with my family on vacation to XXXX and XXXX. I used the card for dinning while with my family in XXXX. Once I returned from my vacation, I received a letter from Chase 's Executive Office in the mail dated XX/XX/2018 stating that they are closing my account XX/XX/2018 " because continuing the relationship creates possible repetitional risk to our company. '' I called the phone number listed in the letter ( XXXX ) XXXX, no one could tell me why Chase was closing my account and could not provide me with any additional information. I called the number several times thinking that someone would eventually be able to provide me with a detailed explanation, to no avail. I have checked my credit report with all three bureaus, there is nothing that reads negative on my report. All of my accounts are current and I have no collections, etc. I even tried going into a Chase bank branch, they said they couldn't provide me with any details. I WOULD LIKE TO KEEP MY ACCOUNT OPEN, and would like to build a long-term relationship with Chase. Can you please help me? If there is something that is of concern, I would like to know, so I can address the issue or resolve any problems that I'm not aware of. Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX represented by Machol & Johannes, LLLP XXXX XXXX XXXX XXXX XXXX, nm XXXX XXXX contact person XXXX XXXX XXXX filed a lawsuit and a writ of garnishment XX/XX/2018 claiming to have a default judgment against me for an amount of {$2300.00}. I contacted these people numerous times via us mail with return receipts, faxes, telephone calls, emails to verify the above mentioned debt and where I agreed to pay this. Still no debt validation. 

However, they decided to file a lawsuit without notifying me or having me properly served. I do not hear anything else from them, then I receive a writ of garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I went to the Toyota car dealership on XX/XX/2018, allowed them to do my background check ; I was aware that a hard inquiry would show up on my account from Toyota credit, but next time when observed my credit report there were Six hard inquiries on the same day. I called them, and they said it is because you didn't qualify for special financing from Toyota we had to ask other banks. That was a surprise for me since it shouldn't show up as hard inquiries, I called manager of the dealership regarding this issue, and she said it is showing up on your account because you didn't purchase the vehicle. We all know it does not work like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: OR

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent me a settlement agreement letter stating that the revolving Visa account in question would be settled and my credit report would be " coded as paid in full for less than full balance ''. I paid the agreed amount of {$5000.00}. They sent me the agreement letter, yet they neglected to code my account as " paid in full for less than full balance '' to the credit major credit bureaus as they promised. I have contacted the creditor XXXX XXXX XXXX several times asking for them to honor their agreement and I spoke with XXXX XXXX who holds the title of Member Solutions Counselor III. XXXX told me to dispute the account through the normal dispute channels for each credit bureau. I did just that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have uploaded and sent the settlement agreement letter to the credit bureaus. When the credit reporting agencies contacted XXXX XXXX XXXX, XXXX stated to them that the reporting was accurate and no changes were made. Currently the status of the account remains " Charge off '' with a balance of {$10000.00}. XXXX refuses to honor their written agreement. I feel XXXX tricked me into paying {$5000.00} and then did not follow through on their written agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
When we originally got the loan the interest rate was only suppose to change once a year. Since ditech took over the loan the interest rate is different each month varying from ~3 % to ~5 %. I inquired about it last year and got no response.

I recently inquired again and still no response.

i do not think it is right that they can charge me any interest rate they desire on a month by month basis.

Also, on the original loan we paid for insurance to pay off the loan in case of death.

When they took over the loan that went away and finding appropriate insurance is no longer at a reasonable rate. 
I really don't know what recourse I have other than refinancing the loan. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
On XX/XX/2018 I request the company to validate this account is mines by providing me a breakdown of fees including any collection costs and medical charges and provide copy of my signature/e-signature with the provider of service to release my medical information. On XX/XX/2018 the company sent back a letter with account balance but didn't not validate this alleged debt account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I was selling a prom dress for {$300.00} and the customer sent a check from PNC Bank in Kentucky for more than the asked amount ( {$1600.00} ) .I then asked, why did they send more than the asked amount, they told me to deposit the check and withdraw the money soon after. They also told me to send the remaining amount to the shipping agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
unauthorized inquiries on my XXXX  report. I have not authorized these inquiries and I have contacted each one of them to tell them so. I got no results.I want these items deleted from my report. 
1.Capital One XX/XX/XXXX 2.XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
When paying off a mortgage, Wells Fargo does not supply final statements and complete accounting for the mortgage or escrow accounts. 

I have had no fewer than 4 mortgages that I have paid off with Wells Fargo and each time the company failed to provide complete accounting of the mortgage and escrow accounts. I track my own transactions and every time I have paid off a loan the and escrow account is refunded to me, the amount I receive does not match my records or even the last escrow balance on my mortgage statement. 

When I call to get a final statement with a XXXX balance, they say they never supply the final statements. This is a very suspicious practice! They do everything they can to hide the details of the payoff accounting. Since the refund amounts are always less the amount I expect, I suspect there are charges or or fees that are being incorrectly charged and they are trying to hide it from the consumer. 

As you can see in the attached documentation, the mortgage escrow balance on XX/XX/XXXX was XXXX, but my refund after making one additional payment to the escrow account was {$1700.00}. According to my records, {$370.00} is unaccounted for.

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