vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed complaints with the Consumer Financial Protection Bureau about Wells Fargo Bank and their Home Mortgages. Wells Fargo Bank and their Home Mortgages lie about everything and anything. I am including in this complaint my property tax bill and what Wells Fargo Bank claims is my property taxes the difference is {$1400.00}. Someone at Wells Fargo Bank, Home Mortgage is putting this money in their own pockets. They are no doubt lining their pockets with others money too. Wells Fargo Bank, Home Mortgage representatives went to the county tax office and tried to get the tax changed unsuccessfully. Wells Fargo Bank and Home Mortgage will cover up anything until the indictments. Wells Fargo Bank employees launder money for drug cartels. Wells Fargo Bank employees in XXXX, TX gave my mortgage loan account number to known convicted Mortgage Fraud criminals and now is attempting to deny that too. Wells Fargo Bank is going to court about this scandal of their mishandling of property taxes here in Texas. I am not late on any payments. Wells Fargo Bank, Home Mortgage hires criminals, Wells Fargo Bank, Home Mortgage hires the inept and incompetent. That's why they continue to deny the facts in this matter and continue to withhold my deed from me. This mortgage loan is paid in full. Wells Fargo Bank, Home Mortgage needs to act in accordance with the laws. 2 mortgage payments were stolen from Wells Fargo Bank 's electronic site due to the lack of security. Wells Fargo Bank, Home mortgage has mishandled this loan. Wells Fargo Bank is refusing to follow the terms and conditions of the loan I received from XXXX XXXX and continues to misapply my money. They have the application of payments wrong again and not with the terms of the agreement I signed. Wells Fargo Bank forgets I have the original copies of the mortgage loan. Wells Fargo Bank forgets that I have gone to a US Senator from Texas. Wells Fargo Bank refuses to acknowledge that they are under investigation from the SEC for mishandling property taxes here in Texas. Wells Fargo Bank must produce my deed and turn it over to me as this loan is paid in full. I will not be a part of a criminal cover-up.

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 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect is not my debt they were not able to validate this account belonging to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

Please see attached letter dated XX/XX/2018. 

Ocwen has failed to deliver required foreclosure protections. 

Ocwen is using faulty information in the servicing of this mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: KY

Complaint narrative:
I had filled out an application for an installment loan with this company on XX/XX/18, and after speaking to a representative, no further contact them was made on their behalf indicating if the loan was approved or denied. On XX/XX/18, I received a deposit from Oxford Funding in the amount of {$320.00} dollars. Had this lender contacted me prior to deposit, I would have denied this installment loan, as I had no need for it. Upon reading the agreement on their website, I then found an absolutely absurd interest rate that would result in a total repayment of {$1900.00}. I then contacted them to speak with someone about settling this debt, and was told that I would be charged per the agreement and other than paying off the total repayment amount, there was no other way to settle this debt. After doing research, I have found that this company is not even licensed to do business in the Commonwealth of XXXX, and after repaying above and beyond the principal as seen in the evidence provided, I feel that this debt is paid in full, and that repaying anything more beyond what I have already paid is essentially the same as throwing money away. Any help in this matter would be greatly appreciated. I have attached screenshots of the website showing the amounts paid, as well as my bank statement from XXXX showing the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I'm an American Express Platinum member and I'm unable to use my Membership Rewards points. I contacted American Express and nobody was able to tell me why I couldn't use my points and when the issue would be resolved. I find it unacceptable I have to waste my time to file a complaint so I can use my points. Please let me know if the issue will be resolved so that I know whether to cancel my accounts before the anual fees are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I contacted American Express explaining to them that the American Express card listed on my credit report belonged to my company, not me. They informed me that it had been listed as a write off and turned over to a collection agency. They said there was nothing they could do. My company has been making payments each month for the past 6-7 months to the collection agency. 
The card was issued to XXXX XXXX XXXX with my name under the company XXXX XXXX XXXX XXXX. 
They said because when the application was made, I had to list my personal information, name, social security number that I was responsible for the account. The statement came to the company address each month with the company name. I will attach copies of them to this. They have refused to take the report off of my personal credit report and charge it off to the company. My wife and I are attempting to purchase a house and this is killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I went to my Credit union to pay off my car loan to obtain the title and attempted to use my Amex card. The credit union did not have the appropriate machine to swipe my American Express card and recommended a cash advance from Amex. While at the credit union, I called American Express for a cash advance. The Amex agent over the phone recommended I use my XXXX XXXX account to process a transaction to obtain the funds to pay my car off. The same day, I processed a transaction on XXXX XXXX for {$11000.00}. I was then able to use this money to pay off the car loan. Since then, American Express froze my account for several weeks for possible fraudulent activity. I am extremely offended after THEIR agent recommended this practice. I have had amazing and impeccable relationships with all my credit card companies. They also closed my account, reinstated and new one a decreased my credit line to an extremely low amount and forced my monthly payments to a higher dollar amount. I have asked the American Express company to pull the recording of the call to review THEIR employees guidance. Since then, I have not heard from anyone and received my new bill, with a new number and a past due amount! My credit has been excellent. I have an account closed by grantor and a new account that is now showing past due. I have tried to escalate this problem to management but my calls seem to be intercepted by call center agents and my complaint is still not handled appropriately and IGNORED. I have been in XXXX XXXX for over 23 years and would not tarnish my reputation over a senseless act. Please have American Express pull their recording, confirm their agent provided guidance to perform a XXXX  XXXX  transaction, return my line of my line of credit, and fix my credit bureau reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm not enrolled in overdraft protection, and never been to avoid been charged extra fees as I'm a single mother and only income in my home. I've being dealing with wells Fargo for a long time and unfortunately there is never a definite solution other than returning the fees collected and only if I complain about it. This last month the bank charged me XXXX in overdraft fees and they are refusing to return that money. Instead of declining transactions as it should be when funds are not available they keep approving them in order to collect fees without my consent.

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 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Continuation of complaint # XXXX I've already contacted your office in regards to a complaint with Chase Bank. However, your not doing enough to resolve the issue. 

I'm on Social Security XXXX and I cant believe they treat XXXX people like this. Shame on them. 

I have proof of payment on a cashiers check that I got from my Dad and his wife. It took three weeks to get it since the XXXX XXXX XXXX is on a rolling provincial strike ( meaning this week this province and a different province next week. ) The quickest way for me to get proof of payment is this way but Chase has called me a liar that my dad doesn't live in XXXX. I had given Chase my pass port for second ID. It may say US passport but it also give original country of being XXXX. 

They also told XXXX XXXX that I gave them a fraudulent check and they even closed my account and wont release the less the {$6.00} in my account. 

I have included a copy of my Chase statement and there corporate office told me the funds have been in the account waiting to be picked up. Yet when I go into a branch they won't release the funds. They keep saying its a fraudulent check without proof. I have proof its not even if its emailed to me its still more proof than what they have. 

Since they arent releasing the funds. What is my next legal action? Court? I can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld Systems Inc. is reporting that I have two open accounts in collections ( medically related ) on my credit reports with XXXX, XXXX, and XXXX. 

Account # XXXX {$600.00}, and Account # XXXX {$490.00} are both being reporting as negative items by Transworld Systems Inc . 

I sent certified mail to Transworld Systems Inc. ( on XX/XX/2018, XX/XX/2018, and XX/XX/2018 ) to validate the alleged debts by providing me with proof that I am indeed the party they are asking to pay the debt. 

I specifically requested the date of the alleged medical services, the  name of the patients, and proof that there is some contractual obligation which is binding on me to pay these debts. 

Additionally, I requested any agreement which grants them the authority to collect on these alleged debts ( i.e proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, Sec 13402. ) as I have never conducted business with Transworld Systems Inc. 

As of XX/XX/2018, Transworld Systems Inc. hasn't provided me with any viable evidence ( bearing my signature ) to verify the alleged debts, nor have they provided me with any contractual obligation which is binding on me to pay these alleged debts.

Transworld Systems Inc. has not verified or validated the alleged debts. I have never conducted any business with Transworld Systems Inc.

I do not owe Transworld Systems Inc. any debts and formally request that these erroneous items be immediately removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Sometime in XX/XX/2017, my lockbox was stolen allowing someone access to my home. Credit cards were stolen and some cash. Apparently, other items were stolen that I wasn't even aware of. Whoever stole my credit card hacked the online account and I never received statements notifying me that payments were due. I was informed of late payments in XX/XX/2017 and disputed the charges then with XXXX XXXX XXXX XXXX. I went through their process and have been going through their process ever since. The company continues to notify me that I am responsible for the charges yet have never provided any investigation notes etc. I think it's unfair that I should be held responsible for the charges of now more than {$5000.00} that I did not create. I even tried to have the XXXX investigate and XXXX refused due to their policies. I am uncertain where to turn for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc.
State: MI

Complaint narrative:
I was contacted by States Recovery System for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by States Recovery System is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.

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 2018-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
I refinanced my student loans in XXXX of 2018. American Education Services was one of the loans that I refinanced. The 3rd party sent a check and there was an overpayment to AES in the amount of {$390.00}. I have yet to receive those funds from AES, it is almost a year. They stated they sent the original check to the 3rd party in XX/XX/2018 ( unlike all other student loan companies, banks, financial servicers who refunded to me directly ). I called in XXXX, XXXX, XXXX and XXXX. I spoke with many representatives and supervisors. Each time I was assured I would receive a call back, as none of the representatives in the customer service area could answer my questions about the address the funds were sent to, how me and my account were referenced on the check, how they knew what address to send the funds too and if the check was cashed ( which I kept receiving varying information ). AES refuses to send the overpayment to me directly, and will only send to the 3rd party who sent them the original check to payoff and close the loan. I believe this practice is a violation of UDAAP ( unfair, deceptive, abusive, acts or practices ), as the 3rd party has stated they never received anything from AES, I have not received the funds and AES appears to not reconcile their records as they have an outstanding check for almost a year. I also believe this is a UDAAP violation, because during one of my many conversations with AES, I was advised the check to the 3rd party included other customers funds as well. I am not the only one this is occuring to. I am willing to bet there are quite a few people out there who have yet received their overpyament from AES. 
Finally after a CFPB complaint in XX/XX/2018, AES stated they re-sent another check to the 3rd party. Still nothing. I need to know where AES mailed the funds, how they referenced me and my account with the 3rd party and if the check has been cashed. If the check has been cashed ( which again the 3rd party has stated they never received anything ) I need a copy of the cashed check and the information above. If the check has not been cashed, I believe the only recourse for AES is to overnight me the overpayment directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: FL

Complaint narrative:
After relentless effort to have an entry removed from my credit report as it is IN ERROR, the Florida OFR was FINALLY able to get the company XXXX XXXX to admit their error and agree to delete from my report. In a letter dated XX/XX/18 from XXXX, a request for deletion to all 3 credit bureaus was submitted. Ironically, Equifax is the only one who has NOT removed the derogatory information, It has been almost 4 months and it still remains. I honestly believe this CRA gets a thrill or may be a kickback of some sort by NOT removing negative information albeit INACURRATE. I had previously disputed with them on several different occasions and item always came back as verified accurate. Funny that the company has admitted otherwise ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: LA

Complaint narrative:
Today, is XX/XX/XXXX, and I havd had numerous issues with XXXX XXXX/XXXX XXXX, XXXX, and its Curators, Attorneys ; as well as the Loan Officers acquired by the state of Louisiana. Due to discrimination and impracticable business practices has wrongfully forceclosed on XXXX XXXX. Please be advised I review my checking account with XXXX XXXX and discovered check # XXXX was issued to Seterus on XX/XX/XXXX. Seterus was unable to locate the payment, therefore, I submitted a money order and sent the payment by certified mail. Also, I requested Seterus to disgard check # XXXX. Today, XXXX, Region Customer Service Representative, located in XXXX, Flordia informed me the check wa processed. XXXX XXXX, Seteru Representative, informed me that the processed department wasn't able to identify my information. I have reported these incidents to Louisiana OIG office ; also, I filed complaints with XXXX District Court of XXXX XXXX and the XXXX District Court of XXXX XXXX. These courts postponed the litigations. Due to these courts ; as well as the Federal Courts located in Louisiana ; I had to file bankruptcy during calendar year XX/XX/XXXX. Please contact XXXX XXXX, Bankruptcy Attorney at XXXX for additional information. During XX/XX/XXXX until present property damages occurred on real estate and automobiles in the state of Louisiana. Due to the significant financial losses I am unable to obtain an attorney. The mortgages were filed in XXXX XXXX XXXX XXXX for properties XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, XXXX, Louisiana.

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 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
Company calls my cell phone repeatedly from " spoofed '' numbers from area codes XXXX, XXXX, XXXX, and XXXX ( all Alabama area codes where I live ) and every time I tell them NOT to call me again until I receive something in writing from them showing where all efforts to bill BOTH my insurances in the proper order have been exhausted. They have NOT sent me anything and refuse to quit calling, but tell me every time that they are " making a note on my file to not contact me again. '' The last straw was when they called while I was in intensive care in the hospital and they refused to let me hang up without threatening to take away my XXXX check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Technology Federal Credit Union
State: MI

Complaint narrative:
I was contacted by XXXX XXXX XXXX for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by XXXX XXXX XXXX is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation