vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX funds to collect a debt of XXXX, XXXX XXXX dollars, and then a few weeks later after I was attempting to cooperate by sending in check stubs to sign up for rehabiliation program. XXXX and XXXX XXXX  send me a letter and indication by phone that I owed XXXX XXXX dollars. I began to question this debt altogehter because I was told that XXXX was required to purchase for XXXX. At this point, I verbally disputed this debt because I do not owe XXXX XXXX dollars. The representative from XXXX told me that they was attempting to collect on XXXX XXXX. I was not familiar with this company at all, and therefore, I stated again that I did not agree with the debt. I sent a certified letter to dispute the debt to XXXX and on behalf of XXXX XXXX. On XX/XX/2018, I received a letter from XXXX XXXX indicating that they reported a debt of XXXX, XXXX XXXX to Experian XXXX XXXX. XXXX XXXX  did not report with notification the the debt was being disputed. Neither company has completed the requested validity of the debt within the 30 day timeframe from first request, so this is a direct violation of the Federal Fair Debt Collection Practices Act. This is harassment and misleading in every way. In addition, XXXX XXXX XXXX XXXX XXXX contacted me XX/XX/2018 threaten to contact my employer for wage garnishment. I did not know who this company was until I searched that XXXX XXXX  had transferred their XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX failed to disclose their affilation with XXXX XXXX to collect a debt through threats to contact my employer for garnishment of wages. This is deceptive and unfair in nature, another violation. Consumers are expected to follow the procedural routes, and these companies should be held to the same standard. As a result of there tactics, it has caused me a lot of distress and unrest. I just want fairness in the matter. How can XXXX and XXXX XXXX   state that I owe XXXX XXXX and later owe XXXX due to fees, but report to the credit agency a debt of XXXX XXXX, because I did not sign up for the rehabilitation program. XXXX and XXXX XXXX have not completed the validity of debt as requested by ceritified letter dated XX/XX/2018. Please assist with this debacle and bring some kind of fairness to the matter. Thank you ....

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 2018-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Transunion to dispute and 30 days later it was still on. I wrote to the court address on my file and it was returned as no such address. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgement on a credit report. FCRA LAWS and mandated Metro 2 format COMPLIANCE regulations require ANY and ALL data reported be CERTIFIED AS CORRECT, COMPLETE, and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting. I DO NOT AUTHORIZE you to RETAIN or report other

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 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX, XXXX debt collectors have re-aged my account by 3 years. Debt to XXXX due to unemployment layoff and new baby at the time in early XX/XX/XXXX went unpaid. Now in XX/XX/XXXX, it shows only 3.75 years. Company is misreporting the debt. Please investigate. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
I refinanced a mortgage with BSI Financial on XX/XX/2018. Prior to closing, they received a copy of my updated homeowner 's insurance along with an invoice. The total ( {$850.00} ) was paid from proceeds from the closing, and listed as a line item on the closing statement. 
A few months later I began receiving letters that I did not have homeowner 's insurance and the lender would purchase forced place insurance. 
I called a few times and was told a ) uploading it online wouldn't work, b ) the insurance from closing must not have gotten to the correct department at BSI c ) they would contact my homeowner 's insurance company and all would be fine.

Today I receive a letter that BSI has purchase forced place insurance and they are billing me for {$870.00}!!

This is FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was 1 month behind on my mortgage due to death in family, Wells Fargo asked if we would be interested in a loan modification, this would lower our monthly payment. They made us pay XXXX for the modification. which has no fee. While in the modification they then came to our home with foreclosure papers, we spent over XXXX to keep our house. I had to drain my XXXX and was hit with major penalties. They refuse to help me put me on hold and never return, it is a nightmare. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a savings account at Bank of America in XXXX NY on XXXX  XXXX XXXX. I went there today and was in a rush and wasnt really thinking. I asked to withdrawal {$600.00} the teller said okay and then hands me the slip and the money ( without counting it in front of me ) and I go to my car. When I get in my car I count the money and realize she only gave me {$400.00}. I go back into the bank and tell the teller she only gave me {$400.00}. She said I gave you {$400.00}, you asked for {$400.00} and was very dismissive without even opening my account again. I assumed she was right and could not find my banking slip. This all happened around XXXX XXXX. At XXXX XXXX, after the bank is already closed I found the slip on the ground in my car and it says there was {$600.00} taken out of my account. I tried calling the 24 hr customer service number and they told me I received {$600.00} from a cashed check. And that there was a hold on the check. I didnt cash any checks. Ive never cashed a check at this bank. The supervisor refused to give me the tellers name said it was not on the transaction, and told me I had to go back to file a complaint. No one called me saying the drawer was over {$200.00} and no one called me about a check missing at the end of the day. I am short {$200.00} and am a XXXX XXXX struggling to pay for school and my rent. I just want my {$200.00} and to close this account, I would never trust my money in the hands of this bank ever again. I would 100 % recognize this teller.

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 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
My apartment, XXXX XXXX, turned my account over to XXXX XXXX despite taking my money for {$120.00} on XX/XX/18. The manager at XXXX XXXX confirmed that there is no balance on my account when I called on XX/XX/18 and was willing to confirm the same thing with XXXX XXXX if they talk to her. I contacted XXXX XXXX the same day ( on XX/XX/18 ), asking them to call XXXX XXXX to verify with the apartment manager but the person I spoke to assured me that I merely need to send a copy of the check I used to pay the {$120.00} to his manager, XXXX XXXX ( initially over the phone he spelled her name as XXXX XXXX and resulted in my email being returned ). I was able to successfully send an email to XXXX XXXX at XXXX XXXX with images of the check that was used to pay the balance that XXXX XXXX is attempting to collect on XX/XX/18. The images clearly show the day the check was deposited by XXXX XXXX and the funds withdrawn from my account. 
I am also attaching the same check images to this complaint. However, on XX/XX/18, I was still being contacted by XXXX XXXX regarding this debt that was non-existent to start out with. Now they are saying that they will need to follow up with XXXX XXXX to verify despite me providing them with evidence of payment more than a week ago and they could have called XXXX XXXX to verify in that time period.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I settled my Wells Fargo Card for {$5600.00} whereas they are failing to acknowledge my payment and misreporting to the credit bureaus, I have all proof of payment my bank statement which also includes the payment made to them a month ago, I am not able to buy a house due to this, they call me up after a month and are like we haven't received your payment whereas I have all records and a letter sent out by them that I have cleared it.

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 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I think the mortgage company and the loan officer did some fraud to close the deal. I was told some things that the payment would be lower. And now the mortgage company had did some incorrect things to have some shortage on my accounts. They keep saying docs they didn't receive or the accessory office that they did not contact. Added a shortage to the already to high payment by {$400.00}. I never received the doc from the loan officer or mortgage company. Was never told about the shortage til I heard the automatic caller state the amount. The property was accessed higher than the correct amount, til i contacted the accessories office. That did a investigation and found there too be a issue. There was missing items from the property that i had addressed with the loan officer. Who told me, he didn't want anyone at my file. That he would get the property refi and get the M.I removed to lower the payments. Had me borrow money off my credit cards to pay the other money, since he said conventional was better at the time. And then now after my credit went from XXXX to the garbage. He doesn't answer the phone. And on a recent statement I saw his companies logo on the doc. Like this is way wrong and that, the broker/loan officer and the XXXX XXXXXXXX XXXX. Came up of a single women 's hard earned cerdit with the purchase and refi of the ( 2 ) properties. refi 1 house XX/XX/2017 and purchase of new property XX/XX/2017. The broker XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My current mortgage is under my name and my ex wifes name. I have applied for a qualifies assumption to have the mortgage in my name only and have followed the banks directions. I have been denied twice in the past 6 months as they claim I do not have the sufficient funds for the closing costs ( {$1200.00} ). That is utterly false as I have more than sufficient funds to cover the closing costs and have even offered to pay the closing costs up front. The bank still refuses to allow me to take over my own mortgage despite having provided all necessary legal and financial documentation. I have tried multiple avenues to talk to supervisors, department heads etc, no luck. I have been with this bank for 30 years, and my credit is flawless, so I am at a dead end here. The bank has qualified me for a full refi ( closing costs over {$3000.00} ) so my suspicion is that the mortgage assumption is not as lucrative as full refi which I do not wish to pursue, please help 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 2018-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: OH

Complaint narrative:
XXXX is the previous complaint that was closed. The attachments are included with that complaint. 

XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. 

I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: WA

Complaint narrative:
Says I owe XXXX from XX/XX/15 but for what I do not owe this. Again I contacted company several times not willing to remove ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: NC

Complaint narrative:
Hello I call Transunion to complain about the fraud inquires thats was place on my report and they was not trying to help so can you please ask them to provide supporting sign documents with my consent if not place have them to remove all inquires listed below XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018

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 2018-09-15 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: IL

Complaint narrative:
the experian credit reporting agency has been dishonest in its investigation of this chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with experian, furthermore I went to the federal bankruptcy courts to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies, I received a letter today from the experian company stating that they have confirmed this information with the creditor but failed to list the supplier of this information

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 2018-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had saved up money to buy this video game account posted by some guy on XXXX. I contacted him to buy and he joined my lobby with it and everything. Then l, I sent the {$65.00} to him and he made me do it friends and family through PayPal. This transaction happened XX/XX/2018. He sent a login to the account and when I tried it, it didnt work. While I was testing the accounts, he blocked me on XXXX. I went on my backup account and asked for the login and that if he is scamming he is wrong for it. After he read it, he blocked me on that account to. I wish for my {$65.00} back from this scammer and I have his PayPal email if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax reply meet FCRA requirement as and explanation under the FCRA consumer reporting agencies are required to provide consumers with information in own file upon request.to make a statement along meet FCRA requirement dose not necessarily mean the FCRA laws are being followed meet FCRA requirement is intended only as a general commentary any debt collect can report anything to Equifax File.as a consumer I should be able to see start balance -- -- - unpaid balance and reason for the balance with my signature on it I ask only that the information be made available to FCRA are to me as the consumer if Equifax is unable to provide the information they should not continue to report false information into one file account credit collection service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on Equifax that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation