vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
I have a mortgage that was assigned to Specialized Loan Servicing, LLC in XXXX or so. I just received my yearly escrow analysis. They indicated I have a shortage of {$1000.00}. MY taxes have been relatively stable for the last few years, only increasing about {$50.00} per year. Total taxes are around {$6000.00}. Insurance is not escrowed, I pay it direct. In XXXX, Connecticut, taxes are due XX/XX/XXXX and XX/XX/XXXX. Really, due by the end of each of those months. 

On the escrow analysis, it would appear the are performing a " pre-accrual '' in violation of CFR 1024.17. They have the taxes being deducted in XXXX rather than XXXX, and thus are artificially creating a negative balance in the account. Payments are roughly {$500.00} per month, so obviously deducting a payment two months early creates a {$1000.00} deficit. Under my understanding, this is a clear problem under the regulation above. 

Prior analysis ( XXXX and XXXX are provided ) were always done with taxes coming out in XXXX and XXXX, and there was never a problem ( or if there was a shortage, it was about {$20.00} for the year ). 

They have not taken my call. I sat on hold and they programmed an automatic callback that never comes.

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 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have filed disputes with all three ( 3 ) credit bureaus, only one continues to show this debt from Kohls/Cap One as me being deceased.

I have sent a letter to the company ( Kohls/Cap One ) and even spoke to XXXX XXXX ( she claimed to be the secretary to the president ). I have shown in several ways that I am not deceased. 

I have sent copies of my driver 's license, Social Security Card, a current utility bill, I also still have a government check sent to me every month, and have acquired XXXX ( XXXX ) new credit cards, and finally, I have gotten a notarized letter to attest that I am not deceased. 

These last XXXX XXXX XXXX XXXX disputes have resulted in the same outcome. This item has not been removed. I am very upset because I have no idea how a company can certify information about me is correct if I have provided all the above information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is so unfair! Its also unacceptable and unconscionable! 
The three NSF fees charged on XX/XX/XXXX were all for transactions that were completed when the account was positive - right after my payroll deposit was made on the XXXX of XXXX but due to a banking holiday - Labor Day - Chase accounted was pushed back by a day ... ..AND I HAVE TO PAY THE PRICE!!!! 
If any NSF fee should have been charged, it should have been for the {$480.00} transaction to XXXX XXXX ONLY!! 
This is highway robbery!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
In XXXX of XXXX I submitted a refinance application with XXXX who works with Cardinal Financial Company. While they have several great reviews, what the reviews did not reveal is that the company has poor communication with it's clients unless they require information. My loan took over 45 days to close and even though it closed on XXXX, they did not mail the disbursement checks to any of the creditors they had me pay off until XX/XX/XXXX, sending my home owners policy into cancellation and receiving a late fee once paid. I was told on several occasions the checks were mailed on XXXX, but when I received copies of the actual disbursements the checks were dated XX/XX/XXXX. I had offered to pay off the small accounts directly, but was assured it would delay the loan so I gave them a cashier 's check for the loans. During the last set of disclosures a {$220.00} fee was added into the loan that wasn't there before as well as the title fees doubling. Only when I questioned these items did they attempt to resolve the title fee issues, while the {$220.00} fee kept appearing and disappearing. My refinance was a simple straight forward, no money out loan which should have been easily streamlined but turned out to be constant stress and while it closed on XXXX there is still the pending item of the late payment for the home owner 's insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good morning, i would like asking your help returning funds that was mistakenly between Bank of America 's accounts. 
Claim Number XXXX with Bank Of America. 

the funds were mistakenly transfer I admit, however, i notified the bank 10 min after it happened. the bank did very little to nothing to recover the funds and contact the person the funds were transfer to. 
they are hiding behind legal terms and taking no action and very little responsibility of the situation.

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 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX  to pay said vehicle off. 

On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Ardmore Finance Corporation
State: IL

Complaint narrative:
Ardmore finance havent updated the remarks to paid also sub loan is paid off it has a balance of {$720.00} and its paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
XXXX XXXX  havent updated the remarks to paid also sub loan is paid off it has a balance of {$720.00} and its paid off

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 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been consistently attempting to get this company to show proof, validation of my signature showing that I am indeed responsible for this debt. They have failed to comply on multiple attempts in asking for validation. The company continues to send documentation stating that debt, has been verified and showing it's my debt, but no supporting documentation has been sent to me via standard mail stating that this belongs to me. 
I am requesting a further review and if proof can not be provided within 30 business days I am demanding that the account under my credit file be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: GA

Complaint narrative:
I was contacted by Premier Student Loan Center and they told me that they would consolidate my loans and forgive them after I paid them {$200.00} for the first 6 months and then an additional {$30.00} a month for 240 months. The XXXX dollars being for filing paperwork and the XXXX dollars a month would go toward my loan. I have checked with my loan servicer and my loan amount has not changed. Then I called Premier and they tell me that the monthly fee is for their paperwork services and that I'm not paying my loan down through them at all. I was lied to and I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
When we spoke with Credence we authorized a payment of {$61.00} to be applied towards our balance. Then they tried to set us up for an auto debit in the amount of {$1400.00}. We declined that stating we would need to discuss that before committing to a payment hat large. They then asked again which we declined again before they put a manager on the phone. We declined when he also pressured us. We have since received a charge on the account for {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: NC

Complaint narrative:
As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX  XXXX XXXX  account anything else I don't have any knowledge of ... I also got a police 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 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
was XXXX years of age at the time I was forced into a ambulance due to a injury, my parents were not contacted I was under the supervision of another adult and the police/emt forced me to get into the ambulance and be transported to the hospital, this is dated back to XX/XX/2009 and should not be on my record as that is against the law, I should not have a debt as a minor either and I want this taken off my credit it has negatively impacted my score and affected my adulthood, I want them to stop calling stop trying to contact me I will be speaking with a laywer if this situation isnt resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: OK

Complaint narrative:
I have a creditor who is showing me as deceased and I am unable to have this removed. 
I have filed disputes with the agency several times. I have sent them certified, notarized, and demand letters to no avail about this dispute. 

I have sent a letter to the company ( XXXX XXXX ) and have spoken to a XXXX XXXX, who claimed to be the secretary to the president. She stated that the credit bureau is the one who informed them I was deceased. I believe this to be an error because the credit bureau does not contact companies and tell them things such as this. Also, this company was the first company to show me as deceased. After sending disputes about this issue other companies that showed me as deceased have corrected this error. However, XXXX/XXXX XXXX refused to do so stating that they certify this information to be correct. 

I do not understand how a company can certify that I am deceased if I have disputed this fact, shown proof of this fact, with certified letters, notarized letters, a driver 's license, Social Security card, and a utility bill from an address I recently moved to. 

I have spoken to the fraud department at Experian and they have sent a letter to XXXX/XXXX XXXX to state that I am not deceased. This too has had no impact on the company. 

Now the problem I have is after all this proof and all the disputes, Experian is still saying that they will not remove the information from my report. I feel that even though I have followed every instruction Experian has given me to get this misinformation removed, they should remove it and not side with a company that is UNABLE to certify me as deceased since they DO NOT HAVE a death certificate.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
Hi, just open my mail and see this master card on my name i was big surprise and upset how this is possible company name is NETSPEND I already try to call on those number on the card and also customer service for NETSPEND and just getting those Automated calling system asking me to activate the card I received and I know when I do that there is no way going back, I already spend to much of my time on this, Please do something about this NETSPEND. there are with XXXX and Address on the paper is, XXXX XXXX XXXX, TX XXXX. 

THANK YOU. 

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Following up on my complaint XXXX Well Fargo Bank sent me a confirmation letter of the CFPB complaint on XX/XX/2019, to my residential address & a letter, dated XX/XX/2019, CONFIRMING the original complaint details. Nothing is in dispute : the facts I put forth are true and correct. 

By confirming that Wells Fargos own Branch was incapable of recording, copying, duplicating my address verification and government identification documents despite THREE SEPARATE  VISITS to the same Wells Fargo branch is not in dispute. It is the reason I have made the request to withdraw the application and destroy the physically-submitted documents. 

Despite my request to withdraw the application and destroy the documents, Wells Fargo engages in an absurd game over whose information they have in their possession. Its again unacceptable. The market has alternatives and my information should not be held given the egregious treatment of said information. 

If its identifiable to ME, Ive requested it be withdrawn. If they can not get their own Wells Fargo employees to make proper copies, all the more reason to not trust them or their process. 

Last, the letter from the Executive Office is signed by a XXXX XXXX? Is XXXX a legitimate last name? To put it politely, use your full name when trying to fix a problem of your own companys failed, defective process. Dont hide behind failure : own it, 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 non-monetary relief
Consumer complaint received 2019-09-04 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX  CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: PA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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:
XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to XXXX XXXX back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted experian, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell experian that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).

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 2019-09-04 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: NC

Complaint narrative:
As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX XXXX bank account anything else I don't have any knowledge of ... I also got a police report..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX  XXXX bank account anything else I don't have any knowledge of ... I also got a police 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 2019-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I want to see if I could negotiate my debt. I have an account from Speedy Cash that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?

Company response to consumer: Closed with explanation