vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I entered into a Loan modification with Wells Fargo, it was for 3 months no missed payments to re-do loan and lower payment. In XX/XX/XXXX they ( Wells Fargo ) started the process over and In paid through XX/XX/XXXX. The loan Modification I received is not the terms we agreed to. They extended my loan to 50 more years the payment stayed the same and after 11 years of paying the montage Ive only paid {$22000.00} to total balance? 

During my dispute dated XX/XX/XXXX, certified mail on XX/XX/XXXX wells Fargo dinged my credit 27 points for 60 days late. ( I am not 60 days late ) They and XXXX have been working together to keep my public records inaccurate. They have defrauded me by reporting most of XX/XX/XXXX incorrectly. 

Please see attached for letter I sent them. I requested a WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ), 15 U.S.C. 1692 ET SEQ and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

I am asking for a proof of this debt is valid, according to the laws. I can not believe the current loan is at {$220000.00} The responded to me with a 60 day late and a loan pay off total.

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 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
When they call they dont answer the call and they call all day long. I havent sign any contact with this company I never had any comunicacin with agency! I never sign any contract or made any commitment with Maury Cobb & Associates! As a consumer by the law on the credit company if I did not sign any contact with this collect this need to be removed from my XXXX report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1 ) The first issue is that I was NOT properly notified of my dispute results! I received an email from Equifax stating my dispute results were ready. First off, my dispute results were supposed to be MAILED TO ME. Second, after I logged in to see the results online, there is a column with " view '' there. It was not hyperlinked! There was NOTHING TO VIEW. 2 ) The second issue is that I called today, XX/XX/2019 and spoke with rep XXXX at around XXXX and he told me that the illegal XXXX  account STILL REMAINS after dispute! The collection account reports a " past due '', of which collection accounts ARE NOT SUPPOSED TO DO. By default, a collection account IS ALREADY PAST DUE. They are in violation and this account must be deleted immediately. However, Equifax -- in particular, whoever entered my dispute -- took it upon themselves to submit my dispute with XXXX as " updating the balance ''! That IS NOT what I was disputing! I very CLEARLY STATED that the problem with the account is that it illegally reports a " past due '', violating the FCRA! Representative XXXX is the one who told me that " updating the balance '' is what " I was disputing '' when that is FAR from the truth. Equifax wasted not only 30 days of my time, but really a whole year of disputing this illegal account. My next step will be filing a claim against Equifax of at least {$1000.00} for damages if this account remains. In fact, there's nothing to dispute ; no dispute is needed -- this account needs to be DELETED IMMEDIATELY! I have attached what I sent to them in XXXX for my dispute, which CLEARLY does not say ANYTHING about disputing a balance! I state that the 'account must be immediately deleted for the FCRA violation of reporting a past due as a collection account '. ACCOUNTS THAT VIOLATE THE FCRA ARE SUPPOSED TO BE DELETED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The debt is with Navy Federal Credit Union. I paid the settlement about to settle the account but on my credit report it still says I owe money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
OnXX/XX/XXXXIappliedoverthephoneforacheckingandsavingsaccountatBMOHarrisBank.IclearlyinformedthebankerthatmyaddresswasnotmyphysicaladdressandwasabusinessaddresssinceIamstationedfarfromhomeandBMOHarriswouldnotacceptanFPO.IinformedthebankerthatmyIDandproofofaddressalsocontainedthatmailingaddress.Duringthiscall,Iwasofferedapre-approvedrevolvingcheckinglineofcredit.SheconsultedwithothersatBMOHarrisandsubsequentlytoldmetherewouldbenoproblems.Shelied.Therewereproblems.BMOHarrisrefusedtoopentheaccountsandsentnoadverseactionnoticeasrequiredbylaw.

AftertalkingwithBMOHarrisagain,theirmanagementtoldmethatIshouldapplyagainusingmyactualhomeaddressandtheypromisedtherewouldbenoproblems.Theyliedagain.

OnoraboutXX/XX/XXXXIattemptedtoagainopenanaccountusingmyresidenceaddressandthephonebankertoldmethatinhersystemIwasnotallowedtoapply.Shegavenoreasonwhy.ShereluctantlyconnectedmewithanunnamedsupervisorwhotoldmeIneededtogotoabranchtoapply.

ThefollowingdayItriedtoapplyonline.Ipassedtheverificationquestionsandmyaccountwasopened.Ireceivedwelcomeemailsandwasabletologinonlinetoviewmyaccounts.

OnoraboutXX/XX/XXXXIreceivedaletterfromBMOHarristhattheysenttomyoldmailingaddresswhichwasNOTusedforthisapplication.TheyaskedmetobringID,SocialSecuritycardandutilitybilltotheirbranch.

OnXX/XX/XXXXBMOHarrissentmeyetanotherletterstatingtheydeclinedmyapplicationandfailedtoprovideareason.TheyincludedaDeclinationNoticethatinnowaystateswhytheyrefusedtoopenanaccountthattheyhadalreadyopened.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX, DEPTEDXXXXT, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: IL

Complaint narrative:
I have been working with NACA/XXXX for almost two years only for underwriting to deny me on the last day of the attorney review. They told it me it was because funds in my account went down, however, if they were monitoring my account, the could have been avoided prior to accepting a contract that I had submitted. Not only did they review and accept the contract, they had me, complete an inspection, secure an attorney, and purchase a condo questionnaire. My realtor sent emails to ensure that we were on track and we never got a no. There have been so many complaints online regarding naca but I still tried to give them the benefit of the doubt. There lack of responsiveness and perceived lack of care frustrated both my realtor and attorney. There has been constant mixed messages and doesnt seem like this program has any empathy for their clients. They seem to be preying on neighborhood clients versus helping them. Even after denying me, they still proceeded to take out fraudulent membership dues and money for a credit report. If you deny me of a loan I get approved for by the alternate lenders in 5 min. I sent a complaint to XXXX  and NACA for a refund of the fees over the last year and they denied me again. They dont think there is anything wrong with there process and the offered no help at all instead went back and forth with me in an email war to try and prove he was right without even picking up the phone to talk to me. This is the second time that naca nearly caused me to lose a home. The first offer I submitted, was denied by the seller because they didnt want to work with naca due to a reputation of the process taking too long. They asked me to switch  lenders and they would consider. Believing in naca, I stayed the course until I realized they werent really trying to help me. They never even offered an alternate solution. This process has been so long and complicated and all I want is for my money tp be refunded so that I can finally be done with naca for good. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received a letter dated XX/XX/2019 stating that I had been sued by Midland Funding on behalf of XXXX XXXX XXXX in the {$1000.00}. Included in the letter is a request for a list of all of my assets and bank account information. I have contacted them and explained to them that this is not my debt. I have asked them several times to validate the debt and they refuse to do so yet they expect me to just give them money for a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
To whom it may concern, I am writing in regards to a balloon loan agreement for my property, On XXXX XXXX I received a copy of a balloon disclosure stating that I applied for a loan modification that required a balloon payment of XXXX due as a single payment in XXXX XXXX. I did not sign such document as evident by the forged signature, absence of a wet signature from the loan servicing company officer and sign date.As a result, l have reported this findings to the fraud department and filed a formal incident report with the XXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
In late fall of XX/XX/XXXX, I received an offer in the mail saying I pre-qualified for an HSBC Cash Rewards Mastercard and that if I applied before XX/XX/XXXX, I would receive the card whose benefits included a {$150.00} Welcome Bonus for spending more than {$500.00} in the first 3 months. On XX/XX/XXXX, as per the invitation 's directions, I applied for the card by going to us.hsbc.com/cashrewards  and putting in the Invitation Number XXXX. I soon received a letter ( dated XX/XX/XXXX ) saying I was approved. However when I received the card on XX/XX/XXXX, the information accompanying it ( dated XX/XX/XXXX ) said the " {$150.00} Welcome Bonus would be rewarded after I'd spent {$2500.00} in the first 3 months NOT the promised {$500.00}!! I immediately called HSBC on XX/XX/XXXX and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request the error be corrected. Each time, the representative ( some of their names are XXXX, XXXX, XXXX, XXXX ) promised to call back within 24-48 hours but NEVER DID. I did spend the {$500.00}, well within 3 months. On XX/XX/XXXX, I talked with XXXX via HSBC 's Chat Support. XXXX said that I would receive the bonus after 3 months. But that never happened. In XX/XX/XXXX, when I called AGAIN, the representative said the office that handles rewards claimed I didn't use the Invitation Number. But I did. YOU CAN'T APPLY WITHOUT ONE. Literally. The website screen is a blank space for the Invitation Number. They also said I would receive a letter from " the office '' explaining this. But I never did. This " bait and switch '' promotion is unacceptable. I only applied for the card to get the {$150.00} Welcome Bonus. I NEVER would've applied for the card had I known it required I spend {$2500.00} in 3 months instead of {$500.00}. My documentation includes : PROMOTIONAL OFFER ( which indicates a Welcome Bonus for spending {$500.00} ), CARD PAPERWORK ( where they switched to having to spend {$2500.00} ), SCREENSHOT OF CHAT WITH XXXX ( where he says my bonus is coming ), SCREENSHOT OF WEBSITE ( which shows you have to use Invitation Number so they are lying when they claim I didn't!! ) Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: TX

Complaint narrative:
I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate

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 2019-05-07 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: TX

Complaint narrative:
I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate

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 2019-05-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have sent multiple letters to USAA to verify my accounts that they are reporting on my 3 credit reports. They have not provided me with any real proof that the account is mine and that they can keep it on my credit reports. They are refusing to reinvestigate saying that I have not provided enough information But I have sent them the information that I got right off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XXXX XXXX I settled the account in the amount of {$720.00} to XXXX XXXX XXXX  with XXXX XXXX XXXX for the amount of {$470.00}. XXXX XXXX  showed my account as settled on my credit report then Phoenix Financial wound up with the account, posting it for collections on the same day I settled this account. I disputed this collection and it was not removed from my report stating the account is valid. I have documentation from XXXX XXXX XXXX stating this account is settled and has a {$0.00} balance as well as the bank transaction showing the money paid out to them. I would like this corrected ASAP on my credit reports. Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my Capital One credit card that had a balance of {$6200.00}. On XX/XX/XXXX, Capital One accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, Capital One continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX   Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. 
I am therefore filing this complaint against Capital One and seeking your help in getting them to correct all three CRA reports accordingly. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent a letter to Chase to provide me with debt validation and they never responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
It was brought to my attention by other people that Citibank has overcharged interest and other fees on many of their cards, including store cards. Also, Citibank was the guarantor of the student loans and we were charged interest and fees for making phone payments. I am trying to look into this matter and see where it has affected me, and my spouse, since we carried several Citibank cards, store cards and years with them on my spouses student loans before they transferred them to another company. He had the student loans with Citibank for several years and had submitted all required information to them on the Service member civil relief act but no action was taken by Citibank on 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