vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Regarding PMI : we paid up front at closing to not have PMI on our mortgage with the understanding that it is cancelled at 80 % LTV ratio. Four years later when we reached 80 % Wells Fargo will start charging PMI until the LTV reaches 78 % or we pay about {$550.00} for a Wells Fargo appraisal to verify loan value has not diminished. Wells Fargo will not accept a property tax statement as proof of house value. Please help to make it allowable for Wells Fargo to accept a property tax statement as home value instead of demanding their service.

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 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc.
State: MS

Complaint narrative:
I was billed incorrectly by the hospital. I was told by the hospital that since I was admitted into the hospital for life threating condition that my insurance company would be bill as " in network ''. The hospital coded the bill stating that it was " out of network '', leaving he a large unpaid balance. After fighting with them for over 6 months by insurance agreed to pay the balance and informed me that the bill was taken care of. I have not heard anything nor received any bills from the hospital since. I was notified by XXXX that I had been placed into collections by the hospital for {$120.00} for the XXXX co-pay. My insurance company says that since I was admitted the XXXX co-pay should have been waved. I just spoke to the hospital and was told again, that since I was " out of network '' the co-pay was not waived, but could not explain why ( nor did they deny ) that they never sent me a bill for the {$120.00}. Being placed into collections caused my credit score to drop from XXXX to XXXX. This drop is causing me to withdraw an application at a local bank for a second mortgage on my house because of the negative effect the drop in score is causing to the interest rate the bank can offer. I just paid the {$120.00} to the collection agency ( that is owned by the hospital ), this is a debt that I am certain that I did not owe but restoring my credit score is far more valuable to me than {$120.00}. The inability of the hospital to code their bills correctly has cause not only my credit score to drop by XXXX points but can have long term adverse effect by showing that at one point I was sent to a collection agency for failure to pay a bill. I asked the person at the collection agency if she could note that the collection was entered in error, she replied that she could not, only that it had be satisfied. No one should have the power to damage anyone 's credit history due to their own lack of internal controls and not have the power to remove the credit bureau entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
To whom it may concern ; I write to you to explain a situation that I find myself in. 
Back in XX/XX/XXXX I was about to refinance my home loan. I bought my in XX/XX/XXXX, and not knowing what was going on they gave me a 1st, and 2nd mortgage, I payed my bills on time as I am supposed to, but since XX/XX/XXXX my second mortgage has been resold 3 times. Back In XX/XX/XXXX as I was getting ready to refinance my I was diagnosed with XXXX. And was out of work from XX/XX/XXXX to XX/XX/XXXX. I used up all of my savings to keep paying my bills, but I got behind from XX/XX/XXXX till XX/XX/XXXX as of now. I talked Ocwen about a refiner but they only offered me a modification loan. now I have payed my loan down to only XXXX and Ocwen sent me a modification statement where I was going to have to repay XXXX and have a ballon payment at the end of the loan of XXXX I told them that was insane I would basically be starting over on a loan that I have been paying on for 11 years. They told me I had to pay {$630.00} dollars by XX/XX/XXXX so I did that and I never heard back from them till I called them in XXXX XXXX, they agreed that no one had gotten back with to find out where I was with my loan. 
Then at XX/XX/XXXX I get a letter from XXXX that they have sold my 2nd mortgage to another company, that loan was down to XXXX dollars, now this new company is telling me that I have to pay XXXX dollars now for this new loan. It 's like every time I pay the finance charges on this 2nd mortgage it gets sold and I have to start over again with a new company. At this rate I would never pay this loan off, it just seems so unfair and no one else will refinance because I 'm behind, and Ocwen is telling me that they will not except any monthly payments until I pay the full XXXX to get the loan caught up. I do n't know what to do????? Where to turn, I feel like I 'm trapped in these loans with no hope of ever paying them off. Is there any help for me other than just walking away from these loans. I want to keep my house I have put a new roof on the house and in the process of replacing the old windows with new vinyl windows. And a lot of work on the out side that was covered up with putty and thick paint to hide all of the trouble spots when I bought this house and 11 years later they showing up big time. Any advice? What is my next move. My address is XXXX XXXX XXXX in XXXX , South Carolina . XXXX, my phone # is XXXX, and my email is XXXXXXXXXXXX please give some advice. Also I have been back to work since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a home mortgage loan with Bank of America for a rental property I own that went through a loan modification from XX/XX/XXXX-XX/XX/XXXX. I made all of the modification payments on time, and I received a permanent modification of the loan in XX/XX/XXXX. Bank of America has sent information to all XXXX credit bureaus showing that the XX/XX/XXXX payment was late. I only realized this error was on my credit report recently after going through the process of trying to refinance the mortgage at my primary residence. I spoke with Bank of America several times about it, and they have consistently stated that their records do n't show that my payment was late. I have tried to dispute the item with XXXX and XXXX several times, but they are telling me that Bank of America 's records show the payment as late. It is very difficult to talk with someone at the credit bureau to understand the source of the records, but it clear at this point that Bank of America has sent erroneous payment history to all XXXX credit reporting agencies. I also completed a loan refinance for my primary residence last year, and I had to accept a higher interest rates because my mortgage FICO scores were higher than my regular FICO, due to the error from Bank of America, which is the only late mortgage payment on my credit report for the last 10 years ( and half of that time, I had XXXX mortgages ) .s.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Disputed about XXXX Hard Credit inquiries on my credit report that were not made by me, Transunion did not remove those hard inquires of my report, nor did i get a reply or any kind of update on my complaint. 
I also have XXXX different XXXX accounts on my credit report, i have never had XXXX different accounts with them and those impact my credit negative

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 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a bank account with Citibank for a {$400.00} promotion after maintaining a deposit of {$15000.00} for XXXX 30 days ( promotion : XXXX ( XXXX ). The account was opened on XXXX, and I was informed by a customer service representative that the {$15000.00} deposit must be made by XXXX. I transferred {$15000.00} into the account on XXXX, after which I contacted Citibank to ensure that the deposit qualified for the promotion and received confirmation that it did. On XXXX, I called Citibank to check on the progress of the promotion. The representative informed me that my account qualified for the promotion and that it would be applied by the end of XXXX. On XXXX, I contacted Citibank again because the {$400.00} promotion was not applied. The representative said that I qualified for the promotion and met all the requirements, and she therefore opened an investigation. On XXXX I received a letter by mail from Citibank informing me that I did not qualify for the promotion. This is contrary to all other contact with Citibank representatives, and my money has been sitting in Citibank accounts waiting for a promotion under false pretenses.

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
this is my second inquiry. I have been with us bank many years. I want the XXXX credited to my account permanently. I had no hot water in the hotel room and will not pay it. I have called XXXX etc. to get it off and report hotel. I am not accepting that it may be billed back to me. please credit the account. any other bank would have already

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 2017-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I contacted my private loans and was told my severed father would be off of the loans. They refused to take him off, told me I had no repayment options, and are refusing to put my loans in in-school deferment while I am in school part-time. I have contacted them numerous times and never get anywhere and get told they will call me back. I never get a return call but etters 3 weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have continued to request for verification and validation of the alleged debt but to no avail. This debt is not mine. I do not owe the amount requested and they continue to switch collection agencies and therefore making it impossible to get the validation. They filed a bogus item on my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: MS

Complaint narrative:
I closed this account from XXXX almost a year ago. I paid off my equipment fee and last bill, and even called XXXX to verify it after I received a bill from them again. They told me they would call the local store and verify and never contacted me again. Furthermore, I have NEVER, I repeat, NEVER EVER received any form of communication from a debt collector concerning this debt. I am just now seeing this debt, thanks to XXXX XXXX, and it infuriates me that no debt collectors, nor XXXX XXXX, has tried to contact me to inform me of any such debts, although I paid them the day I closed my service with them. There should not even be a debt to begin with. Either way, I want this settled ASAP.

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 2017-04-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had XXXX credit cards with USAA, XXXX accounts i paid off and closed those accounts, I kept the XXXX account and again paid it off, yet they continue to hold my funds long after they received them via ACH. I called was told " Well even though you have a great credit history with us, and paid off the XXXX accounts you closed '' the open account in which you also paid off, we hold the money as long as we can '' i asked why now? was told thousands of people pay large amounts on there accounts but USAA holds them as they can make interest on holding thousands of payments by our customers, thus you can NOT access your funds for about 10 days even thought we have had your full payment we can make interest by holding customers. I was told today 4 different stories on this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
allegedIn XX/XX/XXXX I contacted Portfolio Recovery Associates ( PRA ), in regards to XXXX ( XXXX ) accounts they report to the credit reporting agencies ( CRAs ). Communications were sent certified mail and PRA accepted the three letters XX/XX/XXXX. In those communications I asked for validation ( with my signature ) that the debts belong to me, that a contract exists between myself and PRA that obligates me to them OR a contract between the creditor and PRA assigning the alleged debts to PRA. PRA responded by sending a copy of a credit card statement. I responded back on XX/XX/XXXX clarifying my request asking again for evidence that PRA has been assigned or owns this debt and that there is a contractual obligation between PRA and myself. Again a received a copy of a credit card statement. Certified letters were sent in XX/XX/XXXX and XX/XX/XXXX as well. No validation of debt bearing my signature, no evidence that I have an obligation to pay them. Upon further review of my credit files I saw that PRA was furnishing data to the CRAs that did n't even coincide with the credit card statements they had provided. Specifically, the date of first delinquencies did not match, the account was reporting as a factoring data account ( I do n't have an account with PRA ), they show terms as 1 month- again no account exists between myself and PRA XXXX the last payment amount is not provided and the last payment dates are not provided. I disputed with the CRAs asking that the inaccurate information be validated, corrected or removed. PRA again sent a copies of credit card statements and they indicated in their XXXX response that they will no longer respond to my inquiries. It seems that they are in violation of the FDCPA and the CRAs in violation of the FCRA and now no one will respond to my concerns. Then, shortly after receiving PRAs response in XXXX, I received multiple alerts from my credit monitoring service alerting me that new collections accounts had been added. PRA removed the XXXX accounts from my credit files between XX/XX/XXXX and XX/XX/XXXX and added them back within that same time frame. This was repeated again between XX/XX/XXXX and XX/XX/XXXX They have willfully and in direct violation of FDCPA and the FCRA re-aged my account. Now these accounts are falsely reported as " new '' collections and have dramatically impacted my credit score causing me significant financial & emotional burdens. I have in good faith reached out to PRA to try understand and resolve these issues and they have repeatedly chosen to ignore my specific requests, when they have responded it 's been with stall tactics that appear to be harassment, and they have retaliated to my continued communications with an unethical and illegal action of re-aging my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group
State: SC

Complaint narrative:
I have been receiving calls at my office from Premier Portfolio group. They want me to make payments, but have not stated for what. They called my work number I told them I can not receive personal calls at work since I am in a dispatch office and the phone is used for business only. They have called every day for 4 days straight even after they were informed that I can not take this call at work. As a matter of fact the young lady that worked for them said they were going to just keep calling.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On XXXX/17 i called my mortgage company, because i needed to know whom is my home Insurance coverage is with..On XXXX separate occassion i was given Policy # XXXX and the Insurance company is XXXX ... When i called with that policy #, the information they had on file, WAS INCCORRECT.The name ( s ) they had wasnt mine or my wife '' s and the Home Address was also incorrect.I would like to find out if My finances was paying for these other people coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I did not authorized the company to check my credit Comenity Capital/HsnXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I submitted a complaint about loan servicing. The number of that complaint is XXXX. I do not consider XXXX to be a " going concern ''. I asked to be informed about the process for transitioning my loan to another servicer in the event of XXXX bankruptcy. The response was that there would be a response within 60 days. I do not consider this to be a response. I have no reason to believe that XXXX is devoting sufficient and adequate resources to support its business offering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I conducted an online purchase on XX/XX/2016. When the merchandise did not arrive within the published timeline on the Merchant 's website, I contacted them by email. I was advised they were a little slow, but rest assured, the items were on their way. Several more weeks passed, with no delivery of my order. There were several email exchanges and ultimately, I requested a refund. The Merchant then discontinued any additional correspondence with me and my request for refund. I opened a dispute claim with my bank, JP Morgan Chase. On XX/XX/XXXX, Chase sent me a letter that since it was greater than 120 days from the transaction, they would not pursue any further action ( it was day XXXX when I opened the claim ). I called Chase several times, even speaking with a Senior Support Specialist, and was told there was nothing they could do. I was then advised to contact XXXX regarding the matter. Guess what XXXX told me? Yep, call my banking institution! At this point, I am no longer interested in the merchandise that was ordered, I just want a simple refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have documentation that shows that US Bank would not charge a Returned Item Fee nor an Overdraft Fee on my account ( Number XXXX ). When a withdrawal or other debit came in and there were non-sufficient funds, the payment was returned, without charging any fees, unless the resulting overdraft amount was negligible ( This occurred seven times between XX/XX/XXXX and XX/XX/XXXX on the old account as shown by notices received in the mail attached herein ). 
On XX/XX/XXXX, I opened a new account at US Bank ( XXXX XXXX ). On XX/XX/XXXX, an overdraft fee was charged, and a few days later two other payments were returned, one other was returned and more fees were added. The Bank has failed to provide satisfactorily explanation of this change in policy. At the time of opening the new account, I was not given any notice or warning that new rules would apply. The Bank keeps adding extended overdraft fees. 
In my perception, the bank should have not honored any payments that were underfunded nor charged any fees for overdraft nor returned items because US Bank created a reasonable expectation through consistent behavior upon which reliance was reasonable. The Bank should bring the account to XXXX balance at its own expense. Further, the bank should refrain form a threatened charge off or any other report that will harm my credit history.

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