vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage payment includes taxes and insurance and increased from {$3400.00} to {$4000.00} effective XX/XX/XXXX, an increase of {$630.00} a month. The increase was due to an unexplainable shortage of our escrow. However, the XXXX County Tax Assessor sent us a bill and the increase in our taxes was from {$8600.00} to {$9800.00} for that tax year, an increase of only {$98.00} a month. After requesting an explanation from Wells Fargo, we never received a response. We paid the increased mortgage payment over the next 12 months. Our mortgage increased to {$4100.00} effective XX/XX/XXXX, however these was an increase in our XXXX County taxes. Again, we asked for an explanation to no avail. We paid our XX/XX/XXXX mortgage of {$4100.00} on XX/XX/XXXX with Wells Fargo Check # XXXX. Wells Fargo cashed the check but never credited our account and thus said we were 30 days delinquent on our mortgage payments. However, we never missed a month of payments. Then, we fell behind 2 months in XXXX owing for XX/XX/XXXX and XX/XX/XXXX, however we made a payment on XX/XX/XXXX for {$8300.00} though brought us current. However, Wells sent us a statement saying that we owe {$5200.00}. We asked Wells Fargo to thoroughly review our payment history as we had proof that we made all the mortgage payments due. Wells Fargo refused to acknowledge our request. WellsFargo stopped accepting our mortgage payments in XX/XX/XXXX as they kept stating that we were delinquent. Wells Fargo never explained why they increased our escrow payment on a fixed interest rate loan and why they never credited our account for a payment that they cashed. We feel like they have no regards to our payments or mortgage contract

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 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
I was not properly notified of this debt and it was illegally placed on my credit report without a chance for me to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
I 'm pursuing a loan modification, submitting all information that is required when I receive a letter stating that a foreclosure date of XXXX XXXX, XXXX had been set. I did n't understand because I was told that my file was complete and was under review. How can a foreclosure date be set when my case is still under review. It seems like dual tracking is taking place. I 've done everything they 've asked and I just want an opportunity to save my children 's and my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When I initially applied for my loans through XXXX XXXX I was never aware of the interest rates. I was told it would be somewhere between XXXX % while federal student loans were set by XXXX. Some of my private student loans are 10.2 % and I feel like Im getting no where. I have asked numerous times if I can consolidate it to a lower interest and they told me no all the time. I said there was no way I could afford it and they told me to ask my parents for the money. Secondly, I had my sister as a co-signer and was told that if I made principle and interest payments that I could release her in 24 months. I followed all of there rules and everytime I tried to release her I kept getting a ridiculous reason as to why they were not releasing her. Finally after writing a long letter and applying for like the 8th time, she was finally released 6 years later. This company is very shady and I would love for the consumer bureau to do an investigation on this company because they have misled me and have not been honest and have been unwilling to work with me about lowering my payments or telling me about income based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a payment of {$6000.00} using my XXXX XXXX XXXX online bill pay to an American Express card number that does not exist ( my error ). Instead of returning the funds to my bank, the funds just disappeared - no notification was sent by AmEx. I called AmEx and was told they would " start an investigation '' - do n't know what there is to investigate - the investigation reference given to me is : XXXX. It 's now been 20 days since the event. My last conversation, three-way with AmEx, XXXX  XXXX XXXX, and me ended with " this is our process ''. On that call XXXX XXXX XXXX provided all proof of payment and all payee information to no avail. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Received an alert from my XXXX monitoring service XXXX that Equifax was reporting hard inquiries on my Equifax report. I tried every means I could find with Equifax to resolve the problem. Equifax refused to display my report online ( ordered mail ) and all phone numbers and web links were inoperative. Viewing my Equifax report through my XXXX monitoring service shows a large number of " hard inquiries '' on Equifax entered on XXXX -- more than a dozen. Because these represent the possibility of accounts being opened in my name, I am trying to dispute the inquiries which I did not make. But Equifax is totally unreachable by telephone or Internet. I am VERY concerned and turning to CFPB for help. How can Equifax continue to put out my information, but be totally unavailable to account for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: MD

Complaint narrative:
Hello CFPB, I am sending this complaint to your office in hopes to resolve a credit reporting error with Trans Union. Between the months of XX/XX/XXXXand XX/XX/XXXX 2016 I sent a written dispute to Trans Union to for them to remove a collection account that was reporting by XXXX XXXX XXXX XXXX XXXX . I advise in the letter that the account reporting was an error and that collection agency have forwarded them information to delete the file from their records. After sending Trans Union my dispute letter and a letter from XXXX XXXX XXXX XXXX XXXX stating that they have instructed the credit reporting agencies to remove the account, the account still is reporting on my Trans Union Credit report. Please see below.

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 2017-09-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax data breach really sucks and all my ssncredit card driver license was leaked and using now by other people they leak my info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXXI was denied credit by XXXX XXXX XXXX is perfect or near perfect so fearing data had been breached by Experian hack immediately checked all credit reports including Experian. Only anomaly that I was able to find was the date of birth was wrong. It was reported as XX/XX/XXXX vs correct year of XX/XX/XXXX. I went to Experian this morning XX/XX/XXXX and attempted to correct and website would not allow and only provided links to this site. I need a phone number or link to upload correct information.

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 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
My grandmother reported to me on XX/XX/XXXX that AmSher attempted to tell her about a debt that resulted from cancelled services from XXXX. This collection agency does not authorize to contact my grandmother especially when they have my update phone number and address on file. In addition, they stated they got the number from somewhere and could explain where they got it from. Therefore, my information was solicited. They need to contact and forward all request to my new address and phone. I contacted on XX/XX/XXXXat XXXX with the updated information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
I have advised XXXX that this is not my debt and that someone took utilities out in my name, I was not living in the state at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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:
I am a victim of identity theft, on XX/XX/XXXXI mailed an identity theft affidavit along with police report and supporting documents showing that accounts on TransUnion credit report are fraudulent and not associated with me. I also attached a letter outlining each account and requesting that they be blocked under FCRA 605 ( b ). On XX/XX/XXXX I contacted Transunion and spoke to a supervisor, I was informed that my identity theft affidavit and police reports were received by TransUnion onXX/XX/XXXX, however instead of blocking these accounts TransUnion sent each account for verification with the furnishers. I explained that I am a victim of identity theft and that I 'm not asking for verification of these accounts but requesting that they be blocked and removed due to identity theft ; I also stated that under FCRA 605 ( b ) the furnisher has nothing to do with identity theft exclusion and that they are willfully ignoring federal law. The TransUnion representative responded with " I do n't care this is how we do things ''. TransUnion is negligently reporting fraudulent accounts on my credit report and completely ignoring the fact that I have been affected by identity theft.

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 2017-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has refused to provide documentation showing they had rights to service or collect on my home loan. I have requested copies of the Limited Power of Attorney given by the Federal Deposit Insurance Corporation giving them receivership rights to service my loan from Washington Mutual Bank as they have previously stated..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
THE ATTACHED INFORMATION EXPLAINS BETTER. THIS IS A SUMMARY As a veteran with a XXXX XXXX and the single parent of XXXX children with XXXX, it is imperative that I have a vehicle for all of our medical appointments. Due to erroneous banking practices by XXXX XXXX XXXX XXXX which I initially filed a complaint for ( # XXXX XXXX ) and plan to re-file/re-open, I was late on a couple of payments with Capital One Auto Finance and tried several times to make payment arrangements via refinancing, lower monthly payment request, extra payments per month, and automatic deduction via their website. Unfortunately, to date, I received no response from Capital One Auto Finance until Monday,XX/XX/XXXX, four days after they repossessed the vehicle. My payments were $ XXXX+ per month for a XXXX XXXX XXXX total price $ 26,000+. I paid on time and ahead of schedule until activities by XXXX XXXX XXXX XXXX broke my record. As a XXXX veteran, I know that there are laws to protect us from fraudulent activities and unfair charges by companies and I am researching what else I can do. In the interim I would like the vehicle to be returned and all of the extra charges and fees to get it back dropped by Capital One Auto Finance. I am in desperate need of transportation and pray that this can be handled at your earliest convenience. Your website will only accommodate less than 10mb of information so I will send the rest via certified mail today. Thank for any assistance/information that you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is displaying a late payment record for a credit card account. XXXX claims that no late report was issued to the credit agencies. ( See chat transcript ) I  want the negative information removed, as the payment was not late per 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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been trying to implement a credit freeze through Equifax for over a week. The only two options I have been supplied with are through an automated call service and an online portal. I have tried both methods multiple times and each time the system said it was unable to complete my request, in spite of the fact that I followed all of the steps and supplied all of the correct information provided. 

When I called their support line, they would not provide me with a number to contact anyone in Equifax who could verify the freeze or could help me resolve this issue. Twice the customer service rep simply hung up on me. 

I was able to enroll in their Identify theft program but even on that site, it shows that there is an error on my account. There is a customer service number listed but when I call, I only get the signal indicated the number does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: FL

Complaint narrative:
My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per 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 2017-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have an account with PayPal and they keep holding my money in my account for no reason. I have to keep calling them to release funds. Then they argue with you why they can not do it.
First someone brought a phone on XXXX from me on XX/XX/XXXX for {$140.00}. Instead of giving me the money for the phone. PayPal put a hold on my account for {$160.00}. After calling the 1st time they said they was only going to release {$15.00} ( on a {$150.00} purchase ). Then release the rest of the money in 21 days. So I decided to cancel the order. Then PayPal said they would n't refund the buyer because I had a negative balance. Even though I did n't, because PayPal put more holds on my account than what the transaction was. So after calling a 2nd time they removed most of the hold and released {$100.00} but left the {$50.00} to be released 21 days.
Second today XX/XX/XXXXPayPal locked by account talking about I owe money on an old account from XX/XX/XXXX. Over a year ago. The debt was settled through a collection agency. But now they are trying to collect on the debt a 2nd time. Now I have no access to the funds remaining from the transaction listed above.
PayPal is scamming people. They hold people 's money on purpose so that PayPal may make interest on our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint is against Bank Of America Home Loans. Since XX/XX/XXXX/XX/XX/XXXX I have been trying to get help in modifying my loan with BOA due to the recession. I had lost my job and I had sent BOA all information of hardship. BOA kept losing all my paperwork and kept requesting all information over and over. Eleven times I did sent. I finally gave up, no hope. Found out millions of customers had similar problems. I was forced to go into Bankrutcy inXX/XX/XXXX. Lost my house. Fast forward XX/XX/XXXX, I was informed that BOA had been sued by the Dept Of Justice and fined XXXX XXXX. BOA was supposed to help out troubled home owners even those forced into bankrutcy save the house. Mortgage forgiveness program/modification. I called and BOA played the same role in denying help even though it was part of the deal with the Dept of Justice. As of today XX/XX/XXXXI called BOA XXXX and they claimed now they sold my mortgage to a Third party called XXXX in California.XXXX. I called XXXX XXXX and they advised that my property was to be sold on XX/XX/XXXX.
I have made every effort possible to save my home XXXX XXXX XXXX, XXXX, New Jersey XXXX  But, it seems that BOA was still deceiving customers and playing dirty. I am willing to save property if BOA does honor the Mortgage Forgivessness/Modification as required by the Dept Of Justice. I need help fighting this corrupt bank. Please advice.
I really do appreciate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX Thank you 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 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Name of company : Portfolio Recovery 3rd Party Debt Collector Company repeated calling me 4-5 time a day on my work phone and on my cell phone I have them blocked on my cell phone but not on my work Phone. I have told them to Stop calling me at work. That does not detour them.
Over the last 6 months 4-5 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: FL

Complaint narrative:
I locked in my mortgage rate for a refinancing with Provident Funding. The lock expires today X/XX/2017. Due to Hurricane XXXX, the process was delayed causing the rate lock to expire before closing ( earliest is on the XX/XX/XXXX ). I asked for a rate lock extension but Provident Funding has refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I want to reopen the dispute case with XXXX XXXX MD {$870.00}, I received defective ( open box ) unit and returned it back to the merchant on XX/XX/XXXX2017 via UPS ( agent XXXX ) Tracking XXXX, since then I have been trouble obtaining credit refund from the merchant see attached document, proof of return and credit requests, As a result I dont have the merchandise and i have been doubled charged by citi 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 explanation