vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
We received the attached letter dated XX/XX/2018 from Wells Fargo indicating that our mortgage LTV was now below 80 % and we were eligible to cancel our PMI coverage. However, cancellation was not automatic and required us to pay additional principal or fees to Wells Fargo in order to cancel the PMI. Our first option was to pay Wells Fargo enough principal in order to reach 78 % instead of the 80 % as required by HPA guidelines. Our second option was to pay Wells Fargo 's PMI department an additional fee in order to do an appraisal to determine if the value of our home was adequate. In addition, they indicated that Wells Fargo was the only company that could complete the appraisal and no third party valuations would be accepted. This initial letter however did not specify the cost of this appraisal or how to order it. I tried contacting our local mortgage representative but she would not return my calls. 

On XX/XX/XXXX, I called the XXXX number listed to determine how we could go able ordering an appraisal. The representative on the phone basically restated on the phone what was stated in the letter I had already received. She indicated that she would send me a letter with additional information about the appraisal ordering process. She did not indicate how much this appraisal would cost. 

By not providing all information in the initial letter, it only allows Wells Fargo to continue charging debtors additional PMI fees while they send out additional letters. 

Today, on XX/XX/XXXX, we received the letter in the mail with the appraisal information. Wells Fargo wants {$560.00} in order to complete an appraisal to drop the PMI even though we've already met the 80 % threshold, have never missed a payment, have never been late on a payment, and have actually been paying extra on the loan. This is unethical and ridiculous. It puts us into a situation where despite hitting the 80 % PMI threshold we are required to either keep paying Wells Fargo the PMI, pay a large chuck of our principal, or pay Wells Fargo for an " exclusive '' appraisal just so that they can get more fees out of us.

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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/2018 Signed online for XXXX XXXX XXXX Credit Card. Amex new welcome offer {$0.00} Balance Transfer Fee Offer, No Annual Fee, and 0 % intro APR on purchases and balance transfers for 15 months. Made two transfers ( 1 ) {$2300.00} ( 2 ) {$3200.00}. On XX/XX/2018 we were charged For ( 1 ) Balance Transfer Fee {$69.00} and for ( 2 ) Balance Transfer Fee {$98.00}. Our first Statement Due Date was XX/XX/2018. Account Summary showed Fees of {$160.00} which we were not suppose to be charged. 
XX/XX/2018 : XXXX Talked to XXXX. She gave us a case # XXXX and would check into. XX/XX/2018 talked to XXXX again, she said still checking on this. XX/XX/2018 XXXX Talked to XXXX saying my case was closed. He tells us the case will be reopened under same Case #. XX/XX/2018 Called again, talked to XXXX on XXXX Said case closed again with reason we owe Balance Transfer Fees. HELP! American Express gave us run around for months with no help. I would not have gotten card if had known there was a transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Im still having issues and 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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX CAR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX CAR was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I contacted Carrington Mortgage about my loan and spoke with XXXX his ID # is XXXX ... I explained to him how Carrington had  lied to me about helping with my loan modification..Carrington refused to accept payments to bring my mortgage current. XXXX  was very helpful and he said that he would send me a reinstatement letter and I should receive it by XX/XX/18. On XX/XX/18 I received a letter from an attorney saying Carrington is foreclosing on my home and God knows this is WRONG, illegally trying to foreclose on my home. Carrington, why did you lie to me? Im so upset. Im trying to stay in my home. I just dont understand a mortgage company refusing payments. Carrington, you promised you would work with me and suddenly you foreclose on my house? Im praying XXXX steps in and turn things around because this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: SC

Complaint narrative:
I sent a dispute letter to Experian on XX/XX/2018. USPS certified receipt shows Experian received my dispute. I disputed the accuracy and the verification of the account. The disputed account had an incorrect date opened. No account number. Inaccurate first date opened. Not only did Experian fail to delete the disputed account due to these errors, they also failed to properly validate the account per the Fair Credit Reporting Act, 15 U.S.C. 1681. The dispute was simply " rubber stamped '' verified. This Blatant violation of the law will result in seeking legal action.bought on by me if this can not be rectified.

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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I made a rewards purchase of a set off XXXX pots using my HSBC credit card around XX/XX/18. I received the pots around XX/XX/18 and was unsatisfied so, I immediately contacted HSBC by  phone for an RMA. They said it would take two weeks for the RMA number to arrive in the mail. While waiting I order a different set of pots with my reward points. I was subsequently contacted by over five different agents asking the same questions over and over and refiling multiple claims but still no RMA as of XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am writing concerning my escrow account. Information regarding my escrow payments have changed, which require lower escrow payments. I contacted the company and provided proof of the lowered payments on my behalf, however, despite contacting the company and speaking with representatives who assured me that the payments should indeed be lowered, that they would be lowered, the statement/bill remains the same. I am tasked to pay the original escrow, and told that the company reviews its escrow once a year and then the account will be reviewed and changes addressed. This is not so, I have requested and explanation of the way the mortgage payments are set up, they have changed where more money goes to interest and not principal, why??? I want to pay my mortgage in accordance with the lowered escrow and want my loan to be compiled and pay with more funds to principal than mortgage, how can the mortgage company arbitrarily change the way my mortgage is funded and not allow me to pay my lowered escrow payments immediately. 
NOTE : I have already submitted to the company all information/data that is pertinent to the payment of lowered escrow payments to the company and it was verified received by representatives ( 3 ) that have claimed to forward the issue to be addressed and resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC account wa soverdrawn approximately 1300 $ and I have not been reimbursed for funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying for months to log in to my transunion account and its been impossible I click forgot password I put my information and it does not let me proceed to next step and they keep charging me XXXX $ I have called their customer service number and I'm literally on hold for over 45 mins. its impossible to get a hold of them and on top I paid for the report once to get my credit report didn't expect they would be charging me every month for it when clearly I'm not using it and cant even log in to cancel that subscription.

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 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Pay for deletion for capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone withdrew money from my checking account using chase banks quickpay with XXXX without my authorization. I have never signed up for the service but chase allowed someone to withdraw money anyway. Now they keep sayi g I authorized the transaction and are demanding I prove otherwise. They also have frozen my account so I have no access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11 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: TX

Complaint narrative:
Experian The accounts listed below are not mine. 

XXXX XXXX XXXX  Bal {$200.00} Credit Limit {$500.00} XXXX- XXXX XXXX Bal {$2500.00} Credit Limit {$2500.00} XXXX XXXX XXXX XXXX Bal {$16000.00} I dont know of the following collection company listed on my credit report XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization  regarding these inquires. 
XXXX XXXX Inquire Date : XX/XX/XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquire Date : XX/XX/XXXX XXXX Inquire Date : XX/XX/XXXX These items need to be deleted from my credit report. 

In addition, please remove the following Addresses listed below XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers listed : XXXX XXXX  AND XXXX 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 2018-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion, XXXX, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-08-11 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: OH

Complaint narrative:
XXXX Equifax, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX, XXXX, Experian reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-08-11 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: TX

Complaint narrative:
The accounts listed below are not mine. 

XXXX XXXX XXXX Bal {$200.00} Credit Limit {$500.00} XXXX XXXX XXXX Bal {$2500.00} Credit Limit {$2500.00} I dont know of the following collection company listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization regarding these inquires. 
XXXX XXXX  Inquire Date : XX/XX/XXXX XXXX XXXX   Inquire Date : XX/XX/XXXXXXXX XXXX XXXX  Inquire Date : XX/XX/XXXX These items need to be deleted from my credit 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 2018-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AK

Complaint narrative:
On XX/XX/2018 l walked into the XXXX XXXX store located at XXXX XXXX XXXX and went to the customer service desk. l sent money to XXXX in XXXX, XXXX, using the Western Union service, to my sister in law. That money supposed to be used for expenses at the hospital for the XXXX of my mother in law. The amount sent was XXXX U.S. dollars. 
Unfortunately the money never was received by my sister in law, who was in charge of receiving the money on the same date mentioned above at XXXX XXXX. After 25 minutes, the money was processing but my sister in law never received the money. She called me and said that she never got that money and that they just told her to check the tracking number and come back the next day. When she did they told her " Sorry but this number does not exist in our system. '' I walked into XXXX XXXX store again to explain the issue. They tried to call Western Union but they never answered. I  told the person who was attending me that I was calling Western Union customer service for almost the whole day and nobody answered me as well. It is unfair that no one answered for the entire day. That's why l called the Consumer Financial Protection Bureau. Thanks to the person who answered me and told me what to do in order to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I wrote a letter to XXXX XXXX XXXX on XX/XX/2018. This letter was certified and was received on XX/XX/XXXX. This company did not respond in the 30 days allowed to respond. I received a letter from an attorney dated XX/XX/XXXX but was mail on XXXX. The company did not verify the debt but sent a letter and a bill which are not valid forms of validation. I have a copy of all items mentioned above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 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: TX

Complaint narrative:
The accounts listed below are not mine. 
XXXX XXXX XXXX The companies listed under Inquires were not authorized to run my credit. I did not give written nor verbal authorization regarding these inquires. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX These items need to be deleted from my credit report. 



In addition please remove the following addresses and employment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX These addresses are not mine, I have never lived here. 
Employees :

Company response to consumer: Closed with non-monetary relief