vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX - I have already filed a complaint with this website about these people. The complaint was recent, about a week ago. The company answered the complaint and I submitted feedback. Well alas, the problem continues. These people clearly do not comprehend what is happening. They called today, Thursday, XX/XX/XXXX, claiming that the call was to collect a debt for debt collection purposes. They continue to harass me, with this being the fourth call after I submitted the complaint. There is a statute of limitations in relation to this case. This debt is eleven years old, it started in 2007. XXXX continued to harass me for eleven years and then XXXX sold the debt to XXXX, who now continues to harass me. XXXX has stopped, at least for now. They seem to get it, at least for now. I clearly will never pay this debt - there is a law about it - its called the statute of limitations. So XXXX, get your act together and get off my back!!!! You are wasting your time!!!! If you continue to harass me, I will continue to file complaints!!!! GET A GRIP XXXX!!!! You must be going out of business and this is your effort to collect on an aged debt!!!!!

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 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has been holding my direct deposit from my employer for 4 business days, claiming that the deposit was on hold due to my account 's " history of overdrafts ''. I was promised that the funds would finally be released tomorrow, a week late.

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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In end of XX/XX/XXXX I moved in XX/XX/XXXX with section 8 housing. My move in deposit was XXXX dollars.It was my self XXXX and my XXXX year old son and XXXX year old son. XX/XX/XXXX XXXX said my XXXX year old son violate my lease and they wanted me to moved the police was called and evidence was not found. XX/XX/XXXX moved off property, they over charged me for repairs XXXX, the repair that they would have made any way to rent apartment prices for carpet replacement and full apartment cleaning .. apartment was cleaned I think the charges are not fair rate can please look into it please

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 2018-10-11 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: IL

Complaint narrative:
I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST 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 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I need help. Mr. Cooper has a trustee sale scheduled on XX/XX/XXXX for my family home valued at {>= $1,000,000} ( XX/XX/XXXX XXXX appraisal - old and market has improved since then ) and there is approx. $ 400K equity from sale after Trustee 's bid of $ XXXX. Excess proceeds would pay-off outstanding balances to IRS and HOA, then leave approximately $ 350K of surplus funds for me to start over and deal with significant health issues. During last recession, I depleted all assets, including 401K, so this is my only source for retirement savings/healthcare ( significant health issues since XXXX and continue- XXXX - like having XXXX XXXX every day ). The home is listed for sale at {>= $1,000,000} and several buyers put home in top two for  consideration, but pending Trustee sale date scares them away. 

I have not received proper notice the sale will not be extended again and Mr. Cooper has been unresponsive to my attempts to contact them over past few weeks. Also, my attempts to obtain a 'Surplus Funds Form ' have gone unanswered for months. In XXXX, I emailed Mr. Cooper 's attorney of record and receive email response stating their files were closed. ( see attached email string attached ). I requested this form from XXXX XXXX XXXX, handling the Trustee Sale, and they do not have one. No one seems to know where to get a copy of form? 

I asked for reinstatement amounts last XXXX and never received. Asking for same over past week via voice mail to Mr. Cooper, but nothing yet. Understand hurricanes have caused increased work for Mr. Cooper and workers overwhelmed. 

Respectfully request the Trustee Sale be extended to XX/XX/XXXX ( 60 days ) to  allow me reasonable time for a buyer to close. 

I have not received property notice due to lack of communication from Mr. Cooper and negative response from Mr. Cooper 's attorney, who stated 'file closed ', but today Mr. Cooper says file is open. Mr. Cooper 's attorney non-responsive to me. 

Please help - I remain in home and keeping it in tip-top shape. Interested buyers are afraid to move forward and feedback very positive - 'lovely home ' and 'well maintained '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As Navient student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; Navient # XXXX ; XXXX # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XX/XX/XXXX-XX/XX/XXXX. Navient did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All Sally Mae account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the Navient account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again Navient is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXXXXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for million because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX the first credit card account was opened and on XX/XX/XXXX the second credit card account was opened. I had 2 credit cards with XXXX XXXX XXXX XXXX and the XX/XX/XXXX account was closed with {$1800.00} owed and XX/XX/XXXX account was closed with {$1900.00} owed. The actions the company took was to close these accounts as charge off 's. I understand that I owed the amounts and during the time I was going through hard times and did not have any income to pay for these accounts. I did try to work with the company and they are indeed a great company, but I could not hold my end of the deal to make payments due to my situation. I am now trying to repair and build up my credit so I am able to have a chance to earn lines of credit in the future in society to help me establish and build my own business. It requires me to clean up my credit, so I am wanting to ask the company to remove my closed accounts from my credit report completely so I am able to move forward. Hope you will consider this as it will be very helpful in my endeavor. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I have been calling Shellpoint Mortgage and leaving a voice message for XXXX XXXX for more than 1 week requesting him to call me because ShellPoint Mortgage has been reporting my mortgage late after the date of which they foreclosed on my home at XXXX XXXX XXXX, XXXX XXXX GA XXXX. The date of foreclosure was XX/XX/XXXX and they are showing late payments after this forclosure date. This is affecting my ability to get another mortgage. I starting calling XX/XX/XXXX and have called everyday for 1 week. We also sent an email XX/XX/XXXX to Shellpoint and received a message has been read but no response from Shellpoint Mortgage. I am attaching documents that prove my points. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Diversified has filed an illegal collection and have not properly verified. I have asked for the proper verification, including copies of my contract that I signed and copies of the contract signed with the original creditor. This company has failed to properly verify which is illegal according to The FCRA Statutes. This collection was deleted from XXXX XXXX XXXX and needs to be deleted from XXXX immediately. According to TX finance code, the company has to disclose how they came up with dispute results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I received a check from my insurance company made payable to me and the mortgage company, SunTrust. SunTrust kept the check and has been making it extremely difficult to get the repairs done on my house. At the beginning they would not approve any of the contractors I hired. They finally released some of the funds when i submitted paid receipts. On XX/XX/2018, I submitted paid receipts for my deck in the amount of {$5800.00} and the door for {$440.00}. I sent in a letter requesting that I be repaid this amount. I have called in shortly thereafter requesting an update on the disbursement of funds and was told that I would have to get an exemption to be paid. I was told by Suntrust that I had to have an inspection before they would release the funds. I told them it was not ready for an inspection yet, that I was not asking for the release of all of the funds, but the funds for which I remitted paid receipts for. I have called nearly daily and keep getting the run around from them. As of today I was told that another exemption would have to be filed before the funds could be released which would take at least another 5 business days to approve and then IF approved then another 3-5 days to remit the check. I have not had the work done yet because I don't have {$5000.00} to cover the check I wrote the contractor for the repairs. He is holding the check until I receive the funds to cover it. They have constantly and consistently delayed the work being done on my house and I just want my house fixed.

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 2018-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX I received a call in XXXX of XXXX stating I owed a balance. Per credit laws I immediately asked for a validation of debt as I knew I never lived at the property the balance was for. I never received validation of debt for 7-8 months of going back and forth with the debt collection agency IQ Data International. At 8 months on a recorded call they lied and said they had an electronic lease. I informed them please send validation because if there are signed documents with my name this is fraud. They stated they would send a fraud packet in which I requested twice ( XX/XX/XXXX & XX/XX/XXXX ) and they never sent it. I submitted a dispute under fraud with the credit bureau XXXX. IQ Data International informed them the debt and all information pertaining the debt was accurate and verified. They debt collection agency requested I follow-up with them. So, again, I followed up with the debt collection agency and they did not send a fraud packet. Finally, on XX/XX/XXXX I received a letter from them stating the copies of proof of debt were attached. On recorded calls they lied time after time. There was no lease, no electronic signatures, no copies of ids, just a paper with a list of charges on there. This is not substantial documentation to lie to a credit bureau and continue to not send the fraud packet that I have requested for over a year. The fact that they have given me the run around for so long means they know this is inaccurate but they refuse to resolve this matter for the sack of collecting money from someone who does not owe a debt. I highly encourage a detailed investigation into IQ Data International and its practices. Over the duration of my time with them they have broken several laws including not providing proof of debt within an allowed time. From XXXX - XX/XX/XXXX I consistently requested proof of debt and received nothing. I also even wrote a letter to one of the managers within the company explaining why I did not owe the debt and they still refused to resolve this matter. They stated to one of the credit reporting agencies that they had true and accurate information to validate debt but truly all they have is one piece of paper with a list of charges. This is completely unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The account is Syncb/XXXX XXXX, the primary account holder filed bankruptcy and i was never notified about this account never owned an XXXX XXXX card or account and i have never bought any furniture 's from them. when i call them and given my information they have no record of me, they keep switching me to different departments. this account shows closed/derogatory/revolving on my XXXX credit report. i disputed this account on XXXX  and XXXX and has been removed from my account. i have disputed this account thru XXXX and nothing has been done. all i need is help am trying to by a home and this one account is not helping at all, it shows as closed but is still impacting my credit i would like to get it removed completely. so far no one has been able to answer my questions or even help.

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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
An individual called from ( XXXX ) XXXX stating they represent XXXX. The person stated in a voicemail that I need to call XXXX with reference number XXXX. When I called the number provided, an individual answered stating that XXXX XXXX was filing action against me instead of wage garnishment for the amount of money owed from checking account. ( {$850.00} plus - can not recall exact amount ) I advised the representative that I do not owe any money to XXXX XXXX because I had closed the account in good standing. I attempted to contact the bank concerning the matter and they could not provide proof of the debt. XXXX XXXX merged with Wells Fargo in XX/XX/2008. I called Wells Fargo recently and the representative advised that Wells Fargo was not filing suit against me. The representative did not have information of the company claiming to file suit. They were trying to persuade me to pay the amount over the phone or XXXX would file suit against me ( jail ). They informed me that if I was disputing the matter, I would have to take action in court when my court papers arrived at my place of residency. I advised the individual that I would see them in court, because I am not about to pay without proof of the debt. 

I called the company back later and was informed the name of the company is 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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : TransUnion # XXXX ; XXXX # XXXX ; XXXX # XXXX. 

TransUnion ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for XXXX because they would not correct someone credit report. I close on the XXXX of XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT 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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX  student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; XXXX # XXXX ; Experian # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

Experian ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX  is the only account reporting this information. In addition ; Experian is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XX/XX/XXXX for XXXX because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT 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