vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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: FL

Complaint narrative:
XXXX closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue

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 2017-08-03 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: FL

Complaint narrative:
Experian closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue

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 2017-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of america account was hacked in the amount of XXXX and XXXX on X/XX/2017. The company refunded the funds, however refused to assist in further resolving our issues. They cancelled our card and froze our account, rendering our accounts unusable, forcing us to pay a few bills late. The customer service representative was combative and less than courteous when we asked her to not cancel our card until after we made our bill payments. She continued to cancel our card before advising us she was going to do so, then continued to tell us that the card had been cancelled AFTER doing so.

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 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have a store credit account with XXXX XXXX, that is serviced by Comenity bank. My bill for this account is due on the XXXX of each month. I receive all statements and notices for my account electronically. Within the XX/XX/XXXX billing statement, a brief synopsis of the account term updates was listed. On the third and fourth page of the billing statement, it states verbatim : " Reminder : To avoid interest on the Regular Revolving Credit Plan, pay your entire balance by the Payment Due Date each month. '' For the billing statement generated in XX/XX/XXXX and due on XX/XX/XXXX, I paid the entire balance due on the account on XX/XX/XXXX. In addition, the information of the updated terms and agreements was not provided to clarify specific terms and definitions. Thus, the company is woefully trying to leave the customer in the dark and not specify how interest will be accessed with a regular revolving credit plan, the definitions of a grace period, and furthermore upon my call placed on X/X/17, when I asked for an updated copy of the terms and agreement I was instructed that a new/updated copy is only reserved for new cardholders. Thus, an existing cardholder, upon request, would only receive an outdated copy. As a consumer, I find this act deplorable that a credit company would mislead and not inform their entire consumer base. Due to their negligence, I am asking for a refund of the interest charges accessed to me, as taken in the information that was made available to me during my XX/XX/XXXX statement about the changes I was notified that by paying the balance in full that no interest would be accessed to the account. My last attempt to resolve this issue with Comenity Bank was on XXXX XXXX, 2017 at XXXX XXXX, they are stating that they will not remove the charge, nor provide me a complete an updated copy of the terms. As a result, I am submitting my complaint with CFPB to review their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX issued a garnisment of my wages in XX/XX/XXXX. They have been taking 15 % of my income since then. At one point they offered a repayment option to stop the garnishment ( XX/XX/XXXX I think ). However that repayment plan had a clause that said if you were late with XXXX payment you were back in default. I opted not to take the plan. In XX/XX/XXXX my employer took out the last payment to Great lakes. On XX/XX/XXXX I got a letter stating I still owed them another {$3000.00}. ( The amount has actually gone up since the date of their letter. ) The original garnishment was for {$20000.00}. Since then I have paid them roughly {$22000.00} and now they want XXXX more for a total of approx {$25000.00}. ( It will actually be higher as they are adding XXXX plus dollars to the bill every month ) I can not make my house payment and other monthly bills going forward as they are taking XXXX dollars from each paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I had an old account deleted from my credit file by all 3 CRA last month and this month Equifax has since added it back to my credit file ( XXXX XXXX XXXXt ) is the account however I have not received any supporting verification stating that the account belongs to me and according to the CRA once any information/account has been deleted based on lack of verification of a dispute, any subsequent reporting can not be reinserted unless accompanied by a Certification of Accuracy that provides the missing certification. See FCRA 611 ( a ) ( 5 ) ( B ). That requirement applies to any furnisher, not simply to the prior furnisher. The CRA must approve the Certification before they can reinsert. if they reinsert, they are required to send specific notification to the consumer within 5 business days.If reinserted 3 days ago, then you should be getting a notice from the CRA within a few days. If no notice is sent, you can presume the furnisher did not provide a Certification to the CRA, and thus the required procedure was not followed. In that event, you would provide evidence to the CRA of your prior dispute, thus establishing lack of furnisher compliance with section 611 ( a ) ( 5 ) ( B ) ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I would like to close a Paypal account that was opened in my name a long time ago. The social security number on the account is XXXX. I do not want this account to be open and I wish for it to be formally closed. I have previously written to Paypal and the only response I get is that they do not " close accounts ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was paying the mortgage payment on weekly basis and wells fargo bank did n't apply the payment towards principal and interest, they accumulate the payment and apply at the end of month My loan no is XXXX from XX/XX/XXXX i start paid Auto-Debit on weekly basis, I have account summary statement which shows the payment history. When i called wells fargo bank they told me my funds can not applied before the end of month, if thats the case they dont have to offer this, as the bank made money on my deposit and my loan was open for that period. I request the recording to wells fargo for the conversation and they said it takes 15 business days the work tobe completed.

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 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We have an escrow account setup with mortgage lender ( Wells Fargo Home Mortgage ). The escrow account is setup to pay property tax and homeowners insurance. We, the homeowners, received a delinquent property tax bill for XX/XX/XXXX taxes, the invoice date is XX/XX/XXXX in amount of {$1400.00}. Apparently the lender did not declare our property as the lienholder ( this was revealed to us by the Board of Equalization 's XXXX XXXX XXXX and therefore did NOT receive our XX/XX/XXXX property tax bill. We were told to fax the tax invoice to our lender for them to process payment. Then, a month later XX/XX/XXXX, the lender notified us that they paid the tax bill and paid an additional {$280.00} for penalties/interest or loss of discount. We were then contacted on XX/XX/XXXX by the Board of Equalization that the lender OVERPAID the {$280.00} and is required to request a refund to put the money back in our escrow account. Meanwhile, the lender sent us an Escrow Review Statement showing we have an escrow shortfall and to either pay shortfall of {$1800.00} or receive higher mortgage payment amount ( from {$1700.00} to {$1900.00} ). We contacted the lender on three separate occasions to protest their overpayment of {$280.00} and to request not only that they refund us, but to also re-review our escrow shortfall. We can not afford for our mortgage to increase over $ 170/mo and we also expressed our concern that they were not shown as the lienholder on our parcel number with the XXXX County tax department which would prevent them from receiving future tax bills and paying taxes via escrow account. Is n't it illegal to collect escrow money and not be the lienholder on property. Wells Fargo has not only caused us distress with paying our taxes but has OVERPAID with interest of {$280.00} even though the BOARD OF EQUALIZATION CLEARLY STATED THERE IS NO INTEREST ON THE INVOICE AND TO ONLY PAY THE PAST DUE AMOUNT OF {$1400.00}. ATTACHED ARE THE DOCUMENTS..

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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ROC Asset Solutions, LLC
State: FL

Complaint narrative:
They have been contacting me since XX/XX/XXXX that I know of. They claim that I owe a debt that I know nothing about. The have contacted my sister and my job now leaving threatening messages. They left a voicemail on my company receptionist voice mail on XX/XX/XXXX stating my FULL social security numnber threatening to that they were sending a writ and that they were looking for a fax number that I called and provided on XX/XX/XXXX. The voice mail he leaves states a case number XXXX i have the voicemail saved. They also contacted like I mentioned my sister XXXX leaving a threatening voice mail stating that she or myeself or my attorney must contact him by the end of the day or else ( he did not elaborate ). When I called back he would not tell me the full name of the company, or his location. He requested my bank or card information and if not then he would be grnishing my wages. When i asked for more information he stated that he did not have any to give me and that was not his department. My biggest concern is that he is calling random numbers and leaving my social security number all over the place. I would like hep on this matter as i belive this is among other things i have mentiond ar illegal practices by a debt collector. Please help me, luckily I have an understanding employer but I cant imagine everyone is so lucky. Their website provided no mailing address only anothe XXXX number and an email see below ****If you are a consumer and have been contacted about a debt obligation, please feel free to call us toll-free at XXXX. You XXXX also fax us at XXXX. If you prefer email, then reach us at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I entered complaint # XXXX to the CFPB regarding my urgent request for a loan modification by Specialized Loan Servicing. They received all of my documentation on XX/XX/XXXX, and yesterday ( X/X/17 ), I received a " loan modification ''. I put this in quotes, because it was more like a cruel joke than a modification. The reason I needed a loan modification is I 'm unable to afford the {$510.00} a month they 're asking, plus about another {$3000.00}, as I explained to SLS and the CFPB in the attached document. The " modification '' they sent to me is worse than the original problem. They did nothing to modify it - the interest rate and the maturity date remain the same, and instead of {$510.00} a month, they now want {$560.00} a month. If I 'm unable to afford {$510.00} a month, what would make them think I could afford {$560.00} a month? The only modification they made was to wrap up the late charges into the original amount. Also stated in the attachment is the reason that I fell behind. They did not inform me, in any manner, that my monthly payment had changed until XXXX, 2017, when apparently, the new amount began in XX/XX/XXXX or XXXX of 2017. So, the reason I am in the situation I 'm in now is completely their fault, and they are, apparently, unwilling to work with me. As stated before, if they had informed me of the change in payment when it actually took effect, this mess could have been completely avoided.

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 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
XXXX XXXX XXXX, continues to report inaccurate repossession information on my Equifax Credit file. The FCRA prohibits companies from providing wrong information, when they know or have reason to believe the information is inaccurate. XXXX XXXX XXXX has been ignoring my disputes. The vehicle ( XXXX XXXX  XXXX ) was repoed XX/2013 in ( XXXX XXXX Florida ) but my credit file states I 'm over 180 days past due as of today. It also states I made 45 late payments which is false. After numerous disputes, the account still is reporting open. This is a violation of the FCRA, which requires that companies properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Retention Consulting Services Inc.
State: CT

Complaint narrative:
Got a call from XXXX and someone named XXXX was on the phone, he stated that I owed money to his client and that they were trying to collect on it. When I asked what client, XXXX stated that I was notified by mail awhile ago and ignored the notification. I asked him again what was the name of the client so I could verify if I got the notification or not ; he refused to give me the information. He then asked me to verify my full name and address and he would send me out information related to what he was talking about. I refused to give him the information and at that point he advised me to have a great " XXXX '' day and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
The company did not pay property taxes, although we have an escrow account to make sure taxes are paid and paid on time. We we contacted them they paid some of it, but still left money to be pain which we ended up paying out of pocket. We have had several phone calls regarding this issue and it is still not resolved.

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 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have my loans serviced with Navient Incorporated. They would not work with me to give me income based repayment. Instead they gave me the option of graduated repayment. There was also a time last year where I could not make a payment and they encouraged me to take a forebearance. I know have more interest and my overall balance is bigger.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a letter to recast my mortgage from {$890.00} to {$820.00} and take effect on X/X/17. I signed the form and sent this form, along with a name change form and a form granting access to my account for my husband and sent it certified mail ( USPS tracking number XXXX XXXX, as my recast expired on X/XX/17. The package was received at Chase on Friday, XX/XX/XXXX at XXXX. I received paperwork, stating that they changed my name and had given access to my mortgage account to my husband. I just went to pay my mortgage and it 's still {$890.00} and Chase is saying they never received my recast paperwork and it expired on X/XX/17 and there 's nothing they can do. This is fraudulent, because that paperwork was in with the rest of the paperwork they miraculously received. I want Chase to honor this recast and to prevent further consumers from going through this frustration. The name change and access documents were not time sensitive so there would be NO REASON to send these certified mail, other than the fact that my recast paperwork was also in this envelope!!

Company response to consumer: Closed with non-monetary relief