vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have provided my condo unit owner policy to Loancare and have provided the name of the agent for our HOA regarding the master condo policy for XXXX. However, Loancare insists that I provide 1 ) detailed policy information concerning the HOA 's policy, and 2 ) that they be named on the condo 's master policy as mortgage. However, I do not have details about the policy and can not request that someone be placed " on the policy '' because I am not the named insured. Loancare refuses to contact the HOA 's agent and instead is threatening to take to out a master condo policy on my behalf -- truly bizarre as I am an individual unit owner -- and then charge me. If I do not pay for this duplicative insurance then I will be in default and may lose my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage with Wells Fargo. I have never missed a payment nor been late. I have requested over the years to have PMI removed from my account. Wells Fargo said that I would have to pay {$500.00} for an appraisal. 

I refinanced my home about 4 years ago and the market was awful. They gave my townhouse a low valuation.

The market has drastically rebounded in California. I have paid close to {$10000.00} in PMI over the life of my loans.

I have spoken to Wells Fargo on multiple occasions.

They will remove the PMI in a couple of months with a LTV ratio of 80 %.

My townhouse was valued at approx $ 200K during the refi and the unit in the back sold for $ XXXX last year. 

I explained to Wells Fargo that my property tax and escrow continued to increase due to the property value. They would not make any concessions to assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MA

Complaint narrative:
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, XXXX, and Transunion certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been receiving letters from Citibank stating I have a credit card with a balance for over one year now. I called several times ( listen to recordings ) and got passed around, and got hung up on. When I finally got a somewhat intelligent human being at that awful bank they said they would start an investigation of fraud. I then received almost a year ago exactly copies of my checks that I wrote paying the card off from XXXX! I didnt report that I never had the card, I did from college and it is joint with my father. I had it in XXXX and paid it off and cut it up in XXXX. It is my maiden name, which I have not had since XXXX. They have my email address from 6 years ago, I have moved but they found that address of course. I have not have the card in my possession since XXXX. I called last week and citibank told me I owe nothing. Now I get a letter, with no phone number to call, very convenient saying I owe money on this card that has been gone since XXXX, which is it? So any charges on it 8 years later, is not me!!! I want Citibank to stop being a horrible bank and take it off my credit!!! It is fraud!! I did not make those charges, I blame the fraud on Citibank. They are the most incompetent bank I have ever dealt with. If anyone is reading this, do not use Citibank, they are untrained, incompetent, rude and an immoral bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service.

The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt. 

At the request a former collection agency I reported the identity theft to XXXX XXXX police. 

I currently have a valid XXXX account that I have had for the past 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One tells me I owe {$380.00} as of XX/XX/2018. I have spoken to dozens of people asking them to explain how I owe this amount as I dispute it. No one can or will explain how I owe this amount. It is not legal for a company to make a demand for money without being able to explain their demand. They will not itemize for me the amount or show me or tell me based on anything how they have come up with that amount. I dispute entirely that I owe this amount. I am asserting they have made a bookkeeping mistake. It is my right to know what I am paying and why but Capital One says they can't explain it. That everything is computerized. And I am saying the computer made a mistake since I do not owe what they are asking. After I say that they won't help me. They can't just bill me something and get blind trust from me. I am a thinking person asking questions. Asking for an intelligent explanation of how I owe the XXXX. Telling me that it is all computerized and that they can't explain it is no answer..and I dare say if that is how businesses are run ... businesses could say anything they want and people would have to pay " because the computer says so ''. I need to know what I am paying for..how and why. Not just " it is all computerized ''. They can have someone go over my account and find exactly how the computer came up with the figure and then explain it to me. that's what I need. I don't have money that grows on trees and before I pay a bill I have to understand it based on facts and figures. Not based on " the computer says so ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: PA

Complaint narrative:
I subscribe to XXXX XXXX and was informed by them that Equifax is showing that XXXX  XXXX did a Hard Credit Report on me without my consent on XX/XX/2018. I do not have an account with XXXX XXXX. I suspect that this may be the start of an Identity Theft case. I would like to lodge a complaint against XXXX XXXX. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2018 I received a check in the mail along with a letter from PNC Mortgage in relation to my escrow account. The letter indicated, During a recent review we discovered while your loan was in bankruptcy, we did not complete a timely escrow analysis. This resulted in escrow shortage. The amount it closed is equal to a portion of the escrow shortage that you incurred. We apologize for any inconvenience. 

To this letter, I responded and requested a full review of my account dating back to my initial bankruptcy to ensure that a timely escrow analysis was conducted. Depending on the findings I requested, necessary adjustments, credit of interest and fees or a comparable amount of whatever is needed for corrections. It was my belief that, if they failed to do the timing escrow analysis currently, this may have also been done in the past. To this day I have not received a response from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MA

Complaint narrative:
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, Equifax, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MA

Complaint narrative:
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent Experian, XXXX, and XXXX certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: GA

Complaint narrative:
1 ). I have a duplicate account on my experian credit report that I have disputed more than three times just to get ( Outcome Updated ) as the result. Please help me get this inaccurate information removed from my credit report.

2 ). I have an aged 7 year old closed account that I disputed to have remove but experian will not remove the account. When I dispute this item the result come back as ( Outcome Remains ) Please help me get this aged closed account removed from my credit report.

3 ). I am sending over supporting documents to prove my case.

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX I applied for a Lowes Credit Card online via Synchrony Financial. On XX/XX/XXXX and XX/XX/XXXX I made several purchases. On XX/XX/XXXX I was apparently charged a Card Security Fee of {$24.00}. 

I noticed this card security fee on XX/XX/XXXX when I setup my online account. I immediately requested this be cancelled and refunded using their live chat system. They processed it but are asking me to wait 2 billing cycles for these changes to reflect. 

It is unfair that I have to pay up front for something that I did not sign-up for. It was my responsibility to get it corrected. And, it is still my responsibility to keep following up to ensure that everything is refunded to me. If I choose not to use the card, it may take up to 6mo for my money to be returned to me in a check. 

I am lucky that I noticed this immediately. A less savvy user could easily end up paying $ 100s of dollars to these crooks annually. This is definitely an overreach that needs to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I received a payday loan from Advance America. Loan # XXXX I've contacted them 6 times to explain I DO NOT have enough funds to cover this loan. They WILL NOT respond. They keep telling me they will call or email and they never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
i obtained a title loan from XXXX  for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an east west bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX is reporting unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX I received an email from XXXX that my account would be deactivated if i did not confirm my account and login. Without thinking this was fraud, I IMMEDIATELY responded to the email. After responding to this email, a transfer in the amount of {$220.00} was done to someone by the name of XXXX XXXX. Leaving me with only {$0.00}. As soon as I noticed the transfer, I IMMEDIATELY contacted Bluebird American Express in regards to this unauthorized transaction and entered a dispute with an agent over the telephone on Sunday, XX/XX/XXXX. During the dispute, they adviced me to send the email that I received in regards to the scam ; I forwarded the email to XXXX ( I will attach a screenshot of this original email and the forward i sent ). However today, Monday, XX/XX/XXXX I received an email stating the dispute was declined and my account has permanently been suspended. I then called account services and told them what is going on and they mentioned that the account being closed is permanent, however they will try escalating the issue and see if they could credit me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: AL

Complaint narrative:
sent Checkr company on XX/XX/2018 A request to update there records and send me a copy with in 30 days. They have not provided me with an updated consumer report that accurately reflects the changes per the court document sent. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MD

Complaint narrative:
EQUIFAX ON XX/XX/XXXX I SENT CERTIFIED MAIL ON THIS DATE I GAVE SOME LETTER FOR DELETED THESE ARE NOT MINES AT ALL. 

PLUS THE LETTERS FROM XXXX XXXX XXXX   AND XXXX AND XXXX ME AS WELL. 

THESE ACCOUNT NEED TO BE REMOVED NOW .. 
1. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX THESE ACCOUNT DONT BELONG TO ME AT ALL I SENT IN A LETTER PROOF TO XXXX XXXX XXXX XXXX .. 

I HAVE NO ACCOUNT WITH THESE COMPANY NEVER DONE BUSINESS WITH THEM AT ALL .. 


NOW. XXXX  AND XXXX REMOVED ALL THESE AND WITH THE PROOF PROVIDE ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CA

Complaint narrative:
i obtained a title loan from XXXX for XXXX for 36 months. i paid it off in 12 months over XXXX  on fees interest charges.. my credit report shows 4 missed payments due to bounced checks from an XXXX XXXX bank account that does not belong to me. 
my loan should show paid in full and in good standing. the credit bureaus have been advised, ftc and also a police report to show un authorized charges from a checking account that is not mine. XXXX  is reporting unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really  worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of  Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.

Company response to consumer: Closed with explanation