vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: TX

Complaint narrative:
I am writing to request assistance in an issue I am having with Selene. I really need my document from XX/XX/XXXX. I believe it will be XX/XX/XXXX. My underwriter has requested it and I can not find my copy. We were supposed to close XX/XX/XXXX and I called XX/XX/XXXX to request copy of this completed document to be emailed to me. The girl I talked to said she would put rush on it because my lender wants it. The sellers are anxious and have already worked with us and now are saying that they can not wait until Mid XXXX to find out if the document arrives. I say mid XXXX because today XX/XX/XXXX, when I followed up the girl I talked to said it was scheduled to be mailed XX/XX/XXXX. 

When I called in Monday I talked to a gentleman that said he would send it to printing and it would likely go out that day. Now I got a letter saying it could take 30 days to review request. The gentleman said he found it and do I dont understand the delay. 

I am begging you for assistance in this matter and praying it does not take 15 days to hear back from you. I can take a unofficial copy. I am renting house I am trying to buy do not getting means I have to move. Please help me. 

I eagerly await your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2017, I paid Capital One {$1200.00}, representing a timely and full payment of the previous balance on my credit card account, yet contrary to banking laws and the members ' contract with Capital One, I was charged {$17.00} in interest on the following monthly statement -- literally an interest charge on a XXXX balance. I have written Capital One several times about this matter with at least two letters informing XXXX XXXX or her office. Two responses from XXXX XXXX denied any wrong doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: CCB Credit Serivces, Inc
State: PA

Complaint narrative:
XX/XX/XXXX emailed company no response and again reached out XX/XX/XXXX again no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I saw an advertisement online for an Experian credit report, with FICO score, for {$1.00}. The advertisement indicated I could cancel online at any time. When I went to try and cancel the account, I found there was no way to cancel online. With some difficulty I found an email address. I emailed Experian indicating they should cancel my account. I received no response. I called the phone number to use the automated service to cancel. They were closed, and the automated service was unavailable. Experian has deliberately made it difficult for consumer to cancel their services, while advertising erroneously that consumers can cancel easily online.

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 2018-02-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have already written a lengthy and descriptive notice to Portfolio describing the nature of my complaint as I didn't know how many characters you would allow. I will attach it to this complaint along with all relevant documentation I have on this complaint. As a brief description to you, Portfolio has sued an individual using a now Defunct Law firm by the name of XXXX XXXX  XXXX. Portfolio sued this individual using my social security number. Because the judgment is not on my credit report, I didn't find out about it until I was in the middle of escrow and underwriting found it. Obviously it is not mine as the defendant 's name is XXXX XXXX and I am XXXX XXXX. 

I have attempted to contact Portfolio Recovery Associates to have them correct this situation. I have informed them that I am late into my escrow and my {$3000.00} deposit as well as the home itself is in jeopardy. Portfolio has acknowledged that this account is not mine but refuses to do anything about it. They are leaving it in my hands and have lied profusely about many things which are noted in my letter. If this ordeal caused by Portfolio 's lack of an investigative procedure or due diligence in making sure the entity they sued or the information used to sue an entity is the proper information is not corrected, then I will have no choice but to sue them. I am hoping this complaint gets their attention and gets you to see how willfully negligent Portfolio Recovery is conducting itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10 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: NY

Complaint narrative:
I recently sent a letter to Equifax asking for information about accounts on my credit report Im not familiar with. I asked Equifax to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Equifax If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Equifax showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. 

Check attached Equifax response sent to me on XX/XX/2018 file number XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. 

Creditor : XXXX # XXXX Creditor : XXXX/XXXX  # XXXX Creditor : XXXX XXXX XXXX # XXXX Creditor : XXXX XXXX XXXX/XXXX   XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: CORELOGIC INC
State: PA

Complaint narrative:
XX/XX/2017 called company and did not get any response and inquire was not removed from 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 explanation
Consumer complaint received 2018-02-10 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/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 2018-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX  credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX  saying the debt is mine but refuse to provide and proof that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
a qualified written request was submitted to bayview loan servicing on two separate occasion with no response to the request on XX/XX/XXXX and XX/XX/XXXX as per in sub title E Mortgage Servicing of the Dodd- Frank and Consumer Protection Act Bay View had 5 days to response by mail and must provide a substantive response to the borrower within business 30 days, THIS has not happen but bayview loan servicing is moving forward with the foreclosure and according to a letter date XX/XX/XXXX stating that bayview was still in the process of a resolution of the matter of the loan modification with a proposed resolution date of XX/XX/XXXX, so while bayview was telling me this they still had a sale for XX/XX/XXXX we called everyday this week to get an answer and nobody would tell us anything until today that the sale was still moving forward even with a pending answer on the loan modification and violations of the dodd- frank and the consumer protection act, there intent was to foreclose without any regard whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Hello! 
Please I need support for the below issue : My name is XXXX XXXX I bought a house on XX/XX/XXXX, ( closing date ) now Freedom Mortgage send me bill to let me know, that I need to pay the taxes for the entire year of XX/XX/XXXX {$3700.00}, on XX/XX/XXXX I contacted my closing attorney by e-mail ( XXXX ) XXXX and XXXX XXXX, the builder XXXX XXXX builder ( XXXX ) and the attorney office said that they make a mistake on the closing tax calculation, that they contact the builder and he agree to pay portion of the due. Im 2 month behind in my mortgage for a financial issue and now they going to Increase my mortgage because the mistake that the attorney did, Im affray that I can loose my house. I have this house at the end of XX/XX/XXXX ( not the entire year ). What can I do? I do not want to loose my house, will be too much for me the new monthly payment. XX/XX/XXXX I went to the XXXX county tax commissioner and they told me its nothing they can do, I dont know who can help me with this matter. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX Please check the e-mail answer for all of the people involved in this issue : On XX/XX/XXXX XXXX XXXX EST, XXXX XXXX <XXXX> wrote : > >XXXX, > >The property tax bill and with that the invoice from Freedom Mortgage >is correct. The closing attorney didn't collect enough money at >closing. 
> >The attorney paid Property Tax bill using Un-Improved amount ( before >the house was built ). 
> >The Estimated Property Taxes were Estimated to be {$2700.00} a year- the >attorney collected {$300.00} from XX/XX/XXXX to XX/XX/XXXX. This is reason your >escrow is short. In the meantime the attorney has contacted the seller. 
>The seller agreed to send you a check for the amount he should have >paid. You will receive a check in the mail, but not for the whole >amount just for the portion that was originally owed by the seller. 
> >This is what the attorney said : > >XXXX, > >The Seller has requested a check from their accounting department in >the amount of {$1200.00} ( the difference between the {$300.00} tax credit >XXXX received at closing and the credit he should have received > {$1500.00} ). The check will be made payable to XXXX and he should >receive the check within 10 days or so. 
>

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 2018-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
One month delay in the payment in 2012 for the minimum of {$25.00} after or before every payment on time mail got missplace on a XXXX card

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 2018-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL, INC.
State: CO

Complaint narrative:
After having my husband 's tax return seized I contacted the department oof education today to find out that my student loans are in default and with a debt collection called Coast Professional Inc whom I've never received any mail or voicemails or emails from. They have had my account for a year and documented that they only sent me one piece of mail almost a year ago. They said they have called my phone but it's against their policy to leave a voicemail message. I have no records of their numbers calling me within in the last few months. I received no notice that our tax return would be seized. I am a XXXX XXXX XXXX mom who XXXX and I have no income and no access to my husband 's income or information. XXXX XXXX XXXX has stated that the only way they will allow me to do the rehabilitation program is to give them very detailed information from what my dental and hospital bills are to my cell phone bills to everything including everything about my husband. This is not his debt, only mine and I will not provide them with any information. I want my loans released from Coast Professional Inc and transferred to XXXX where my other student loans are current, on a repayment program, and I have maintained contract with for months now after completing another rehabilitation program without my husband 's information. When I asked to have my loans released to XXXX they tell me to call the department of education. When I call the department of education they tell me to call Coast.  I need help desperately to resolve this issue. I'm very willing to make payments even without having an income but I can not do so if they won't even allow me to sign up for their program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Portfolio Recovery, LLC
State: LA

Complaint narrative:
this is not mine debt

Company response to consumer: Untimely response
Consumer complaint received 2018-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im going to start off with Section 609 of the FCRA to provide the proper documentation of an original signed contract with my signature, and This company XXXX XXXX XXXX does not have of mine. XXXX did not investigate these accounts properly nor did Experian If XXXX XXXX XXXX cant provide my signature on a original signed contract then these accounts must be deleted. One document I submitted is what XXXX XXXX XXXX sent me when I asked them to send me an original signed contract with my signature.

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 2018-02-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ill start with verifying documentation original signed contracts with my signature, according to Section 609 of the FCRA this is what companies need to prove. XXXX XXXX XXXX has been reporting 2 accounts that Ive been disputing since XXXX with no results of proper investigation. Here are 2 documents one saying this isnt a debt but saying I owe this ... my signature isnt on this document nor is it an original signed contract. Section 609 of the FCRA says the proper documentation must be provided.

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 2018-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone opened an account with Bank of America in my name fraudulently. I filed a police report and a ID Theft report with Bank of America. The company have name blacklisted in the risk department and this prevented me from opening an business account. The company should of already block the fraudulent accounts. I never had any accounts with Bank of America.

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 2018-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. 

The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. 

In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. 

I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX WF Crd Svc ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX  ( XXXX ) Type : XXXX XXXX XXXX/Automotive Date : XX/XX/XXXX XXXX FL XXXX XXXX  ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, 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