vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2019 I tried to set up automatic payments with Wells Fargo XXXX XXXX to make timely payments and receive an interest rate reduction of .25 %. The primary route is to set this up online. When I click into " set up automatic payments '' I received the following error message : " ERROR You dont have any accounts that are eligible for this type of recurring payment in this view. To change your account view, go to Account Summary and make another selection from the drop-down menu. '' There are only two views to see " set up automatic payments ''. By clicking into  Account Summary and selecting : STUDENT LOAN ( the overall total loan balance ), or, by drilling down into a specific loan ( i.e STUDENT LOAN XXXX ). Regardless of the view, I was in, I was still running into the same error message. 

On XX/XX/XXXX, I spoke with multiple customer service representatives at Wells Fargo. I verified from the first customer service rep, that I was doing everything correctly, and they would then transfer me to someone who could set up automatic payments over the phone. Once transferred to a second customer service rep, and after explaining my situation, I was incorrectly transferred to the complaint department due to my frustration. I was then transferred back to a student loan customer service rep. This is now the 4th customer service rep I have spoken to. Again, I explained the situation. They apologized profusely as I was told they can not set up automatic payments over the phone and apologized that I'm not able to online. 

Consequently, I was told by the 4th customer service rep that I must manually fill out a form, that they would email to me, and fax it or take the form into a Wells Fargo branch and they would then fax it. I was told I can not email it back. 

It is XXXX and I am in my XXXX 's. I have never used fax, nor do I have readily available access to a fax. I'm not even sure where I could find one. This is an undue burden as Wells Fargo is making it unnecessarily difficult to set up automatic payments by which I would receive a .25 % interest rate loan reduction. 

I understand this is a small amount to a company like Wells Fargo ; however, over the lifetime of my large student loan, and others like me, this adds up to a significant amount of money.

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 2019-04-05 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-05 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: NC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had two capital one accounts since XXXX. I have never made any late payments on any of my accounts until I lost my job back in XX/XX/XXXX. The school I was teaching at received less funding and I was laid off. In XXXX, I was diagnosed with an illness and am unable to work. My income was reduced by a total of 60 percent. I receive XXXX XXXX from the state of New Jersey. My husband then lost his job as XXXX XXXX at XXXX XXXX because if the government shutdown. He missed two pay cycles. He has since returned to work. I contacted Capital one in XXXX to confirm that if I made my payment on XX/XX/XXXX that it would not report 30 days past due since my family was effected by the government shutdown. I received an alert stating my payments were reported 30 days past due in XX/XX/XXXX and XX/XX/XXXX. I called dozens of times asking if they have a program to help people experiencing a hardship and they advised me there was nothing they could do to help. They didn't care that their employee gave me the incorrect information. I was devastated, as trying to preserve our credit is the only hope we have in re-financing our mortgage so we don't lose our house. I filed a complaint with the better business bureaus, and got a call from their executive office, I missed their call, as I was in physical therapy, I left a voicemail and I explained my situation with the guy who called from their executive office. He never called me back after leaving 6 voicemails. About 10 days later he called back and stated he would reach out to me when he found a solution. he called back about 4 days later and advised there is nothing they can do to help. The Executive office claims they do not have a program to help people affected by the government shutdown. although another employee and their website states the contrary. I am disturbed by their treatment of me, and I felt less than human when talking to them. One representative even referred to me as " you people who can not pay on time. '' I hung up the phone and just cried. My hope is that Capital one will finally try and help me, move forward by honoring their promise to not report late payments to the credit bureaus during the months of XX/XX/XXXX and XX/XX/XXXX due to the government shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX Chief Executive Officer and President, Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I must call your offices every month. I routinely pay additional principal with my mortgage payment. I have done this for 40 years, with a variety of mortgage service companies. The additional principal payment has always been credited to principal. But not with Select Portfolio Servicing. 

Instead of crediting my extra principal payment to principal, you credit toward future mortgage payments. It is obvious why you have this business practice. You want to cheat customers by not reducing the principal and thus maintain larger principal balances so that they will accrue more interest. 

The first time this happened, I had used my banks automatic payment mechanism. When I discovered what you had done, I called your offices and got it corrected. I was assured that you would note our account so that additions to scheduled payments would be credited to principal. 

Another month went by and once again, my additional principal payment was credited to future payments, rather than principal. This time when I called, I was told that it was because I used my banks autopayment feature instead of manually writing a check and filling out your remittance advice. 

So, this month I wrote a manual check, filled out the remittance advice, and expected the payment would be properly credited. Once again, SPS attempted to cheat me. Some of the extra payment was credited to principal, some was credited to future mortgage payments, and I can not determine where the remainder was applied. But I was once again assured that it is being corrected. And once again, I was assured that your people had notated my account so that amounts in excess of the scheduled monthly payment will be credited to principal. 

I am doubtful that the problem has been resolved, because I have now received so many empty promises. 

I am optimistic that the regulatory agencies will examine this fraudulent practice. This kind of behavior must be stopped, as I am certain that most of your customers do not realize that they are being cheated. 

Dates When Principal Payments Not Applied Correctly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: IA

Complaint narrative:
On XX/XX/19 I received a voicemail from Atlantic Recovery Solutions stating rep name XXXX XXXX trying to collect debt for XXXX XXXX XXXX leaving file # XXXX and stating if I don't respond today, failure to respond will result in verifying my employment and any access to property in my name. This rep also called my brother and left a voicemail with the file number. I have attempted several time today to call back the # the rep requested I call back XXXX and get a busy signal everytime. I have no idea what debt this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXXXXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
I filed for Chapter XXXX back in XXXX of 2009, in XXXX XXXX of XXXX California. I recently noticed after all this time that Experian has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX XXXX of California XXXX XXXX XXXX XXXX, CA 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 2019-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
I have an FHA loan. Carrington mrtg is my servicer. I fell behind on my payments in XX/XX/2018. In XX/XX/2018 the took a payment. In XXXX the returned a XXXX. Money order payment. They locked my account on XX/XX/XXXX and started foreclosure. My money order which is now not useable to me because its written on and banked stamped was returned to me. On my statement it is written that is payment in full is not sent monies will be held in a suspended account. Heres my issue. I called FHA after Carrington refused payments and locked my account. FHA stated they had seen my prior 5 years of perfect payments and they dont foreclose unless I am 6 months behind. I was not but now due to Carrington refusing my payments I am now 6 months behind if you include XXXX. Its unfair. I am honestly trying and making an effort. I am a single mother. I lost my job of 10 years. I have taken a XXXX an hour pay cut. I requested a reinstatement. Its an outrageous amount. I have filed for a modification. Im still waiting. This morning Carrington called my phone but once again left no voicemail as to why they were calling. I logged into my account and ot stated call point of contact for modification. So I called. I entered all my identifying information. And it keeps routing me to single point of contact line that is closed. This is at XXXX XXXX in the morning on a friday. They are closed on a weekend. Again precious time being wasted giving me the run around. The have my email to send me requests and information as well. My house has doubled in value since I purchased it. It feels like they are trying to make me foreclose and force us out. I feel as though they should not be allowed to lock my account and refuse payment especially if I have in writing that it will be placed in a suspended account. If nothing else FHA would then be able to see I am making an attempt and not really 6 months behind and see what this servicer is actually doing to low income homeowners. Please help. I have a hud counselor but she has only gotten as far as I have. Also if and when I get this situation fixed I want to know how I can get a different servicer. I absolutely do not TRUST the company. They are horrible and treat their clients that are struggling awful. They dont explain anything. Everything I have learned I have had to research online. When I say I dont understand something they just repaet themself. When I ask about and option I hear its up to you whatever helps you sleep at night. Its horrible.This is my only home. Im am trying like crazy to save it. My payments are XXXX. A month I have XXXX. In returned and refused payments. Plus my current payment thats due for XXXX on the XXXX which has been my payment date for over 5 years.I understand I would still be behind but only like a month an a half but now they want a few thousand dollars in fees. I just dont understand how a company can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX - partial account number XX/XX/XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
21st mortgage continues to hold overage of escrow instead of applying it to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
so in light of your recent response I want to take you guys to arbitration for the XXXX you guys dont seem to resolve my dispute and I have proof from XXXX   there was damage to the computer and it was not as decsrbice I tried to email you several times and no response so I either want a refund for the XXXX or I will take you to attrition for this and I am letting you know right now I wish to go to arbitration.

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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Collection Agency : XXXX, XXXX XXXX XXXX, Alleged Balance : {$1300.00} Opened Date : XX/XX/XXXX I did not open said account as indicated. This account dates back to early XXXX and the balance is incorrect or excessive. 

XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX Bank is claiming and reporting this derogatory info to the 3 credit bureau, that i owe them {$16000.00} which i asked them by certified letters and return receipt, if they have any documents, or any evidence bearing my signature by all means to send it to me and i will honor it but despite my numerous certified letters to them i never received anything from them proofing this is a valid debt, but despite all they still continuing reporting it on the 3 credit bureau damaging my financial life irreversible.

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 2019-04-05 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and  nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been charged an " credit life insurance fee '' of various amounts. The website does not even allow me to look at statements further than XX/XX/2018. It says access blocked which is absurd since it is my account. 

Starting from XXXX XXXX, I was charged {$26.00} XXXX XXXX - {$39.00} XXXX XXXX - {$33.00} XXXX XXXX - {$34.00} XXXX XXXX. - {$34.00} XXXX. XXXX - {$33.00}

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 2019-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I obtained a mortgage from Washington Mutual Bank, FA., which is currently insured by XXXX XXXX XXXX  Title Policy XXXX. On XX/XX/XXXX, JP Morgan Chase Bank, NA, claiming to be the predecessor-in-interest to Washington Mutual Bank, FA, filed a foreclosure action ( index No. XXXX ) against me in XXXX XXXX XXXX Supreme Court. On XX/XX/XXXX, the XXXX XXXX XXXX Supreme Court dismissed JP Morgan Chases foreclosure action ; ruling that JP Morgan Chase Bank, NA did no prove it was the predecessor-in-interest of my Washington Mutual Bank, FA mortgage. 

Instead of adhering to New York Consolidated Laws, Civil Practice Law and Rules - CVP 5513 ( the appeal process ), on XX/XX/XXXX JP Morgan Chase Bank, NA arbitrarily entered into the XXXX XXXX   XXXX Department of Finance/Office of the City Register record a mortgage assignment, whereby assigning my Washington Mutual Bank, FA mortgage to JP Morgan Chase Bank, NA. On the same date of XX/XX/XXXX, JP Morgan Chase Bank, NA then assigned my Washington Mutual Bank, FA mortgage to XXXX XXXX XXXX XXXX as Trustee. Slighting the XXXX XXXX XXXX  Supreme Courts XXXX XXXX, XXXX foreclosure ruling, on XX/XX/XXXX, JP Morgan Chase Bank, NA secured XXXX XXXX Insurance Policy # XXXX on my Washington Mutual Bank, FA mortgage/property. To date, JP Morgan Chase has not recorded its XXXX XXXX  Insurance Policy  into the XXXX XXXX XXXX Department of Finance/Office of the City Register system. On XX/XX/XXXX, approximately seven years four days after JP Morgan Chase Bank, NA had filed its year XXXX foreclosure complaint against me, XXXX XXXX XXXX XXXX as Trustee followed suite and filed a foreclosure ( index no. XXXX ) against me in XXXX XXXX XXXX Supreme Court, which is currently ongoing. To date, JP Morgan Chase Bank, NA has not provided to me, XXXX XXXX XXXX Supreme Court, or the XXXX XXXX  XXXX Department of Finance/Office of the City Register any legal evidence that is in fact the predecessor-in-interest of my Washington Mutual Bank, FA, which I obtained on XX/XX/XXXX.

Company response to consumer: Closed with explanation