vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 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: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regarding XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear, XXXX XXXX XXXX, XXXX XXXX XXXX Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please note that your affiliation with XXXX XXXX XXXX is posting my land and home for auction or doorstep foreclosure sale on XX/XX/XXXX, and per XXXX XXXX XXXX XXXX that I have title insurance with has Said that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX acting Trustee along with XXXX XXXX as Trustee have any Authority do Foreclose.. The Security Agreement if non Valid or DOT as XXXX Could not do Business at the Time of the Grant Deed giving to me. Therefore youll need to stop this right now today when you receive this NOTICE and DEMAND as settler, as under Duress Treasury and XXXX XXXX has the endorsed promissory note for deposit only to one and the other paid to the UNITED STATES OF AMERICA WITHOUT RECOURSE if accepted in this criminal activity stealing homes piracy on the land. 42 arrest warrants have been issued and hope to see you all do the right thing. 
this is a copy of what was sent, and this part you will need to send to me at once. " TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' Your complaint filed with the Consumer Financial Protection Bureau as complaint number XXXX pertains to the same loan which was the subject of complaint number XXXX. As discussed in XXXX XXXX XXXX 's response to the prior complaint, neither XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX is involved in collection of the debt purportedly owed by you. None of these companies is the trustee of beneficiary. None of these companies has the legal capability to comply with your request " for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: AES/PHEAA
State: FL

Complaint narrative:
I PREVIOUSLY COMPLAINED ABOUT AES REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( AES IS REPORTING AS AES ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY AES IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM AES DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX has been reporting an unverified account to two of my consumer credit reports Experian and XXXX. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.

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 2017-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On XXXX/XXXX/2017 I received a call from Navient stating that I have three loans with them, which is incorrect. I only have two loans with Navient, no third loan appears on my login.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX took over a mortgage loan or line of credit I owe to XXXX XXXX XXXX in which I was making monthly payments of {$500.00} towards the loan and 100 % of that payment was being applied to the principal debt which was {$120000.00} with no penalties or interest added. Now XXXX XXXX XXXX XXXX XXXX, is asking to pay them {$230000.00} and they are claiming interest, late charges finance charges. I believe that the amount they are claiming is not accurate every time I try to reach them they do n't want to give me the opportunity to work with all they want to do is to do a foreclosure on the property so they can get their money in full. I 'm willing to work with them in regards to this matter. I truly believe that they are overcharging and the amount owe is only {$120000.00} which is what they pay XXXX XXXX XXXX. I hope I can get some because I 'm very desperate and afraid I will loose my home.

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 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
When attempting to post additional payments to this account to reduce the amount of interest paid to Wells Fargo Dealer Services I was told that loan payments are always taken care of first. This includes interest to the loan that was not earned yet. Additionally it will not deter interest for the amount paid ahead until you are three payments ahead. 
I have called and spoken to Wells Fargo 's customer service department on more than one occasion including escalation to a supervisor and I was told that this is policy. 
I am including a screenshot of the web page that told me I had to pay three payments ahead before they start applying payments to principal only! 
Thank you for your help in this matter!

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 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I noticed a collection account had been placed on my from Diversified Consultants. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XXXX XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XXXX XXXX between XXXX and XXXX XXXX I called Diversified Consultant to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from DCI, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received DCI 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me.

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told DCI it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face.

These actions by DCI are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY EQUIFAX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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:
I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A XXXX XXXX REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY EXPERIAN CREDIT FILE AND REPORTING AS XXXX ON MY XXXX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XX/XX/XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XX/XX/XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XX/XX/XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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: Loan Science, LLC
State: FL

Complaint narrative:
I PREVIOUSLY COMPLAINED ABOUT XXXX/LOAN SCIENCE REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX/LOAN SCIENCE IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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:
I PREVIOUSLY COMPLAINED ABOUT XXXX XXXX REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a mortgage on my home with BBVA Compass for over 20 years. Due to there errors on my loan, they stopped taking my payments. When i tried to resolve and filed a complaint with CFPD last year, they sent me a unclear explanation and my mortgage was paid off and a refund of over 9,000 $ was sent to me. I still owed 2 years on this mortgage.

On my 2016 income taxes, BBVA Compass said that i had paid them over 25,000 $ in payments. This is a blatant lie! They are doing something illegal and i dont want to be a part of it. I want this to be explained to me and the IRS why they falsly claimed these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: IL

Complaint narrative:
Due to loss of income ( I am XXXX ) - I have been struggling to keep up with my mortgage payments. In XXXX, each month my mortgage was paid on time. In XXXX, I fell behind in XXXX. As of today, XXXX/XXXX/XXXX I owe the payment for XXXX, XXXX, and XXXX. Today, the mortgage company told me if I do not make a payment today, all 3 payments will be due on full by the end of next month and my mortgage will be forward to an attorney to start the foreclosure process. I advised that I applied for the Hardest Hit program, and they still advised they will proceed with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: MS

Complaint narrative:
Bought an XXXX computer for over {$3000.00} from XXXX XXXX XXXX. In the contract they stated i would have an additional warranty. I dropped off the computer and its been more than 30 days the company advised in their contract that the repairs if exceeded 30 days would replace the computer or give store credit in order to compensate for the money as of today 's date I do not have the computer and I am out of over {$3000.00} of my money. The company is not trying to live up to what has been promised in the contract and has not made any effort to make amends with the consumer. They constantly delay and delay and will not refund me my money or a new computer I am now out of over {$3000.00} and do not have the product for it has been sitting in their repair shop since XXXX XXXX, 2017. They have made false statements in order for the consumer to purchase their extended warranty program and will not live up to what they say they will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
XXXX XXXX is still being reported on my XXXX report it was opened in 2006 and I have requested for it to be removed and they have fail to remove it. XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: DISCOVER BANK
State: NY

Complaint narrative:
I enrolled for a payment plan with discover after they failed to inform me that my payment was returned by a bank account that was close. The automatic payment that discover set up was XXXX dollars and the payment was made on XX/XX/XXXX,  which was the due date. Discover failed to mention that this payment plan would not cover the full past due balance. On XX/XX/XXXX they reported a 30 day late payment. When I signed up for the payment plan they did not mention anywhere on the plan that the past due balance would not be cover and that I would have to make an additional payment. If i was aware of this I would have made the full payment on my own. I signed up for the automatic payment so I would not have to worry about being unware of a late payment again. 
I called discover explaining this to them and they said there was nothing they could do. I even said that I would make the missing portion of the automatic payment now and they stillsaid that there was nothing that could be done about the inaccurate reporting. I am reporting in hopes that you can remove the 30 days late as I was clearly unaware that the automatic payment would not cover the full past due balance. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX NY XXXX social security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I financed my loan thru Ally Financial in XX/XX/XXXX. I refinanced with XXXX XXXX and Ally shows my loans paid in full as of XX/XX/XXXX. I received a letter in the mail from Ally GAP stating my gap policy was canceled and a refund sent for {$790.00}. It shows the payee as XXXX XXXX who was the dealership where I purchased the car. I contacted XXXX XXXX and they said that the refund was n't received by them, but that it would come from Ally Financial. Ally Financial has told me the same thing, but said they never received it from Ally GAP. They have no clear answer for me as to when I will get the refund. It 's already been 45 days and still the same answer which is that I would receive in 45 days. I do n't think it 's fair that Ally GAP says the money was sent on XX/XX/XXXX and I 've had to wait this long without receiving or really even knowing where it 's coming from.

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