vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank is my mortgage company. I live in XXXX XXXX Texas XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had a fence burned up in a wildfire XXXX XXXX and my XXXX company has sent me a check for {$20000.00} and it is made out to US Bank and me. US Bank had previously told me they would sign and release up to {$20000.00} so I could move on with the repair work to the fence. There was no damage to my home, the only damage was a burned down fence around my XXXX acres. I have a XXXX who lost over {$100000.00} of livestock ( drowned in the floods ) who needs the work, but I ca n't get him started because the insurance check is {$760.00} over {$20000.00}, US Bank is wanting a XXXX, and notarized forms including a release of lien commitment form, another signed contract form, and then will require inspections on the fence. This is in a XXXX XXXX that was decimated by XXXX, and there are not going to be inspectors for this. Also, this is a ranch hand that will be repairing the fence, not some white collar guy who fills out paperwork, not to mention finding a notary in a rural community. I called US Bank for the XXXX time because it had been over a week since my initial request for an exception and no one will approve the release of the funds. I tried to complain and asked to speak with someone higher, and if there was an XXXX XXXX XXXX, I was told she had never heard of that and that the issue was being escalated to corporate and it would take another week. I was told that US Bank reviews exceptions on Tuesdays & Thursdays only and that I would just have to wait for my answer. Not only was my request not approved yet after a full week, now I can not even call anyone to escalate a complaint. This seems like very poor service/treatment. Please help me understand why a person ( who is in a XXXX declared disaster area from the worst flood in Texas history ) with an XXXX FICO with under 80 % XXXX who has XXXX missed payments with over 30 years of mortgage payment history can not get a {$760.00} exception to policy approved?

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 2017-08-31 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:
This would be the second time I 've submitted a request to investigate inquires on my credit report that I did not believe to be mine or requested by me. I most recently sent Transunion another request to investigate the inquires. I requested to provide me documents upon their investigation showing my signature or something supporting I authorized it. The letter was received by Transunion on X/XX/2017 and on X/XX/2017 I received a letter from Transunion explaining what an inquiry was as their response. Obviously I know what it is, but my request was to investigate it. Since their letter was sent to me so quickly I am positive no investigation was done as I had requested. The letter I sent was certified so I can support when Transunion received my letter. This is the second time I received this response from Transunion. I sent copies of my drivers license as well as my social supporting who I am, but Transunion failed to review my request. 

I have attached a copy of my original letter to this complaint.

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 2017-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Student loan was purposely forced into write off, despite offers to repay.

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 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have received multiple call from this company regarding several charged off credit cards I have. I talked to a rep and told them i am in the process of filing bankruptcy. The person was very rude. I said please do not call me again. And yesterday i got a call @ work. Actually it was left on a voicemail that didnt belong to me. They have also disclosed information about trying to collect on my cell phone which doesnt id me and used by someone other then myself. This message was left on a general mailbox which specifically asked for me. And it was an autodialer. I want this stopped or i will file a lawsuit for an fdcpa violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: NY

Complaint narrative:
This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for XXXX XXXX. This collection agency continues to try to collect and has put negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: NY

Complaint narrative:
This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for SCRA ). This collection agency continues to try to collect and has put negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for XXXX so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I was contacted in XX/XX/XXXX by mail from I.C Systems Inc. regarding an outstanding balance of {$200.00} dollars. I called them to get more information about this debt, but all they would share was the account debtor was XXXX XXXX with a balance of {$200.00}. I immediately disputed this debt and requested a itemized statement from them detailing why this amount was owed. I also informed that I requested XXXX XXXX to have this account to be closed almost 5 years ago, and up until now, this account was closed by me in good standing. The person I spoke with was not able to access this information, but ensured me that she would send it as soon as possible. I Never heard back from them, until I received and alert from XXXX XXXX that this account was reported on my credit report as of XX/XX/XXXX. 

This company has no records of why this amount exists and failed to follow up with the information I requested to establish why this account even exist after 5 years of service. Then, recklessly reported this to the credit bureau in XX/XX/XXXX, as a result, damaging my credit score, as if this account new as if I failed to currently keep my commitment.

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 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: PA

Complaint narrative:
XXXX XXXX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I started services with the company in XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, my bill skyrocketed to over 1200. After numerous calls, every month, to XXXX who would refer to XXXX XXXX, who would then refer me back to XXXX, I finally reached a XXXX Representative who investigated the charges. I was reimbursed by XXXX, for 11 charges to reconnect my services. XXXX then sent XXXX XXXX a reimbursement assessment of {$1000.00}, due to unauthorized charges of {$40.00} per month of Movie Channels and {$50.00} per month of a sports package that was never authorized. ( see documentation ) I spoke with XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, who stated that the reimbursement was on file and had not been released. I ended up closing my XXXX XXXX account, as they continued to not reimburse the monthly charges, and stated that they could " only reimburse my account x 90 days ''. 

From there on out, I have had to dispute the charges over and over through XXXX XXXX, who then sold my account to a collection agency 3 times. I worked with the XXXX XXXX XXXX to have the first 2 collections removed from credit reports. As of XX/XX/XXXX, a new XXXX XXXX, XXXX XXXX, placed the collection in the amount of {$1200.00} on my credit report. I have disputed the collection and as XX/XX/XXXX, the collection still remains. 

This has been to say the least, frustrating, and I am at my wits end. This is unfair practices on behalf of XXXX XXXX and their unwillingness to remove the unauthorized charges to my account and reimburse me in the amount of {$840.00}. These collection agencies harass and threaten and most importantly ruin my credit score, that I have worked so hard to keep my credit good. 

I do n't know where else to get assistance on this, I contacted a lawyer, that was currently in a lawsuit with XXXX XXXX for unauthorized charges, however the practice is out of state. I reside in Pennsylvania.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
in XX/XX/XXXX a line of credit was taken out on property XXXX XXXX XXXX in XX/XX/XXXX refinanced and 2nd mortgage was supposed to be forgiven, kept paying on 2nd until XX/XX/XXXX when refinanced we were told to stop paying on 2nd due to forgiveness program. We hired an attorney to handle 2nd mortgage ( law firm XXXX and XXXX, attorney on file XXXX XXXX address XXXX XXXX XXXX XXXX XXXX My husband who recently XXXX XX/XX/XXXX last told me lawyer above handling and instructed to stop paying on 2nd. Last payment to 21st Mortgage Corporation was XX/XX/XXXX according to statue of limitation law 2nd mortgage is 4 years. When the above property was in escrow right before escrow I was told that 21st Mortgage Corporation was taking XXXX from the sale of my property. I called them and tried to settle with them, get late fees taken off and explained 4 years was statue limitation and 2nd was supposed to be forgiven. They did n't want to hear it and bottom line property was already in escrow, I could n't back out and now this 21st Mortgage corp took XXXX of the sale pos my property above. I want them to give back my money in full due to statue of limitation 4 years on 2nd mortgage. If this can not be done I want a settlement offer from them for the 2nd that we both can agree on and refund the difference. I already have a attorney who has instructed me on above references to statue of limitations and so forth and if something can not be done in this matter then I am ready to move forwards on legal recourse in this matter. 
The loan number is under my husbands name and is # XXXX & XXXX it was a line of credit /2nd mortgage I believe ... he is the one that handled all the finances, so as you can imagine I was not only left grieving wife but had to find out when i sold the property someone was taking all my money. 

If needed I will provide my lawyers name and number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar ( XXXX XXXX XXXX recently purchased my mortgage servicing rights from XXXX. I received a letter and email with directions for accessing my mortgage online. I tried repeatedly to access my mortgage using the link for about a week starting on XXXX/XXXX/XXXX. A message popped up that indicated the website could not process my request and I should try back later. There was also a number on that website splash screen. I finally called the number and the entire menu was spoken to me in XXXX!! Luckily, I live in XXXX and understood it well enough to push option XXXX. I was greeted by an English speaking rep who told me they were aware of the issue with the XXXX greeting and telephone menu. They said to wait until I received the welcome package in the mail and try again. I called back just now ( XXXX/XXXX/XXXX ) to try to resolve the issue and the welcome message was still in XXXX!! I 'd XXXX everyone who 's loan transferred from XXXX to XXXX XXXX as part of this transaction had to deal with the same issue. I have no idea why this was n't corrected in XXXX weeks that elapsed between my first call and subsequent call. The phone number is XXXX. You can try it yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XXXX XXXX 2017 after receiving numerous robo calls for collection of past fees I asked to pay my balance in full and to close the account. I paid {$86.00} and was transferred to another dept to close the account. Two weeks later I was sent a bill for {$38.00}. After calling their customer service they said it was paid late and I owe. I stated that I was on their recorded line and I asked to pay bill in full and to close account.They said their employee was n't authorized to make that statement.I asked for a written explanation and was told they do not have to provide a written explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Integrity Funding Ohio, LLC
State: NY

Complaint narrative:
This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for SCRA so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The account balance owed with Wells Fargo was {$7000.00}. I called Wells Fargo to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is Wells Fargo would agree with the amount for monthly installments, he finally said that Wells Fargo approved my request to pay {$120.00} per month. When I would call Wells Fargo, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by Wells Fargo for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company on XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XXXX XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email on XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to Wells Fargo initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XXXX XXXX I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on 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 non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am in the process to obtain a loan modification and also I applied for assistance with " Keep Your Home California '' and my lender ( bank of america XXXX gave a wrong information to Keep Your Home California and now keep this institution cancel my file. I am really disappointed that bank of america gave the wrong information when I am still in the process to get approve for my loan modification. I might qualify for " keep your home California ''

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