vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A representative named XXXX from a company called XXXX XXXX out of a Texas called two family members of mine saying they needed to serve me with papers. 

My mother forwarded me the number they called from so I returned the call. Spoke with a woman named XXXX. She claimed I was not supposed to be given this number but said she would help anyway. She informed me I had an account with XXXX XXXX from XX/XX/XXXX that had gone into collections in XX/XX/XXXX. I've never received any mail, calls or emails regarding this. She informed me that if I paid {$760.00} by XXXX XXXX today ( XX/XX/XXXX ) I would be served with a summons. She claimed I could use anyone 's credit card so long as they signed the paperwork she would be emailing to me. I never received an email. 

I contacted XXXX/Wells Fargo. The collections department informed I was in good standing with them and that there was no record of my account or debt. Regardless of the amount of time that passed there should still be a profile for me and that there was none. They instructed me to not pay or provide information to XXXX XXXX  and had no record of ever using them for any purpose. They also informed me that they never threaten to sue customers over past debt and that they've had an influx in scam calls recently. 

When I called XXXX back I did not get an answer at first. No answering machine either. I called again and informed her of what the bank said. She immediately became unpleasant and offered to put a manager on the phone. After a brief hold XXXX picked up again and simply said that I would be receiving papers within a few days. I said I'd happily contact my lawyer and she hung up. I've already spoken with someone at the FTC who agreed it sounded like a scam as did the rep from XXXX. 

The number I called to reach XXXX XXXX is XXXX. I am happy to follow up with whomever necessary to make sure this is handled.

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 2018-04-12 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: FL

Complaint narrative:
I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, 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 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Credit card after I reported it lost or stolen and that I didnt do any cash withdrawals still charging me cash advance fee several times each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For no known reason Chase bank decided to close my accounts. I had no non sufficient and direct deposit for my pay check. If I had not gone in to ask what was going on I would not have been able to stop my pay check from being deposited. No one in the bank was able to tell me what was going on or why this was happening. I had accounts with Chase for years and this was done without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
CONSUMER REPORTING AGENCY DID NOT COMPLY WITH FCRA REGULATIONS AS IVE BEEN DISPUTING THIS ACCOUNTS ACCURACY THE ENTIRE TIME, PAST COUPLE MONTHS, I HAVE YET TO RECEIVE ANY PHYSICAL PROOF OF THE DISPUTED ACCOUNT IS ACTUALLY VERIFIED TO BE MINE.

CHECK MY UPLOADS AGAIN TO SEE THE DISPUTE LETTERS I'VE INITIATED ENFORCING THE CREDIT LAWS.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. " You've dismissed yourself from not having had ever removed this account from my report so there's no reinsertion laws broken by you but how can you look past the fact you've never sent me clear physical proof of a verified account you allow to remain disputed on my report for a period of over 2months. You were unable to provide me a copy of verifiable proof, so you must remove the account from my credit report, thankyou!

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 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMorgan Chase & Co is failing to properly service my mortgage loan as they have performed an invalid Escrow Analysis on XX/XX/XXXX. They are including a County Tax payment which will not occur as it has been prepaid. Escrow is scheduled to be more than {$5600.00} over-collected over the next year. I have provided evidence that the analysis is in error when I originally advised them of the issue on XX/XX/XXXX. Servicer agrees that it is in error. The servicer advises that the escrow analysis would be re-processed by XX/XX/XXXX. As of XXXX EST on XX/XX/XXXX the analysis is still not complete. Servicer is breaching their duties and obligations by failing to properly provide correct analysis in the first place, and they are also failing to complete a timely revised analysis providing mortgager sufficient time to review and object to new potentially incorrect payment taking place effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Good Day, we revisit this same Bill that does not belong to me, or my husband, here is the timeline of events and all the backup information as I disputed it with CFPB last year on this website and it was prove not to be my bill, so it was deleted. 

-XX/XX/XXXX A bill from XXXX XXXX XXXX ( XXXX XXXX  Hospital ) for {$600.00}, was placed on my wifes credit report and my husbands credit report we live at the same address -We both called XXXX  XXXX XXXX and told them it was not our bill, and can they please show us proof that it is ... The Lady that answered the phone was nasty and mean to us, they said they would, but we never received it ( enclosed is the screenshot of the letter we sent by priority mall, plus we called them ) -I disputed it for me, and my husband, and it came off ( mine, the wife 's but not my husband 's. see screenshots of my old XX/XX/XXXX credit report and my husbands Credit Report ) _ Thats when we contacted your company in XX/XX/XXXX CASE NUMBER XXXX ... .. and you did a great job and had it removed off my husband 's credit reports. Now life was the same back to normal, we rung in

the New Year ... LOL ... UNTIL!!!
_XX/XX/XXXX I, THE WIFE ..., received a letter from a NEW DEBT COLLECTOR ( COMMONWEALTH FINANCIAL, XX/XX/XXXX, XX/XX/XXXX , PA ) SO I Called them and explained the
whole situation, that this is an error bill, they tried to ask me for my info, like birthdate etc.. The Lady was very Rude to me, I told her to please send me proof, and she assured me she had it, ( I know she did not because ITS NOT MY BILL OR MY HUSBANDS : ) ) so we checked the mail everyday FOR a response, 3 days later this bill is blasted across all my credit reports, just mine again THE WIFE 'S ... screenshots provided. but they changed the dates looks like one report shows XX/XX/XXXX, but they updated it on another to XX/XX/XXXX, i dont know what that means, but all of this is fraud. PLEASE HELP US!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I participate with Bank of America mortgage, which they offered ,3 month no payment plan because of the hurricane that affected florida in XX/XX/XXXX. Before participating in the plan, they had assured me that they do not report to credit agency as missed or late payments, the representative said they are doing it to help consumers.Now i got letter from them saying, I need to participate in modification plan, which i do not want to because it will ruin my credit. so i called them today ( XX/XX/XXXX ) about it, the representative at the modification place threatened me that either i need to make the full 3 month payments or participate in their modification.Otherwise, they will report to credit agency as late/missed payments.

They told me that not report to credit agency. Now they are forcing me to participate for new modification .They also not deleting my PMI ( my loan was over 5 yrs ) due to this reason. What will i do?

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 2018-04-12 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: CA

Complaint narrative:
Equifax is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. I have contacted Equifax three times and showed them the documents from the collection agency and that these documents do not support their claim that this debt belongs to me. Each attempt to work with them has failed. Since I started contact them in 2016 more then 30 days have pass for them to provide anything else or continue to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
The following company took taxpayer money and is now advertising that they will change their policy on lending : Citigroup.

Here is part of the article : Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to sell firearms only to customers who passed a background check, restrict sales for buyers under 21, and not sell so-called bump stocks or high-capacity magazines.

I was good enough to give them my taxpayer money, but a company will not be able to get equal lending policy due to restrictions that CITIGROUP thinks should happen in commerce.

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 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I reported my card as lost or stollen, bank closed my card and issued me another one, but debited all disputed transactions back.

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 2018-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I need some information about the predatory lending that went on with XXXX XXXX XXXX. I have never heard of a XXXX degree that cost XXXX. When applying at another college they would not accept most of my credits. My credits will not transfer..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit control corporation calls several times a day either looking for my wife or myself about a debt that we have no idea about since it is not on our respective credit reports. I have no collections on my credit reports so I do not have any idea what we supposedly owe since our bills are always paid ahead of schedule.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ACI Worldwide, Corp.
State: PA

Complaint narrative:
I attempted payment of {$5100.00} to XXXX on XX/XX/2018 for City of XXXX XXXX tax. My multiple attempts to use the free e-check option were denied. A customer service rep informed me that the e-payments were not possible to the City of XXXX at this time, but a fix is in process. I reluctantly chose to continue with a debit card even though there is a fee. After choosing the payment option of " Debit Card '', accepting the expected " convenience fee '' of {$5.00} and entering all required information, the error response was " enter valid card number ''. I tried several more times with the same result. I was on the phone with a second customer service rep and she told me that for debit cards with a chip, you need to choose the payment option of " Credit Card '' instead of " Debit Card ''. Notably, she stated that the XXXX system has " always been that way ''. With the rep on the phone I entered my information again using the same debit card, but selecting the " Credit Card '' option as instructed. This time the " convenience fee '' was {$120.00}. As I had been through this process several times previously with a stated {$5.00} fee for a debit card, I almost clicked through to complete the transaction. 
Clearly XXXX payment portal is designed to collect unjustified fees in the form of a percentage of the payment ( in this case 2.5 % ) for all debit cards with a chip, which must be processed as credit cards on their payment portal. In the case of my incomplete transaction, XXXX would have overcharged {$120.00} for the 'convenience fee '. There is no obvious indication on the payment portal that debit cards with chips must be treated as credit cards. It is my understanding that debit card fees can not be excessive and are in a different category from credit cards. I believe that XXXX is fraudulently charging excessive fees on debit card transactions by forcing the debit card with a chip to be reclassified as a credit card in order for the payment to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
To whom it may concern, My complaint is that I am making payments of {$460.00} per month to Navient and have paid over {$26000.00} into a Student loan ( Parent Plus ) loan in which the original loan disbursement was {$37000.00}. and I still owe {$57000.00}.

This loan was in deferment and forbearance as long as was allowed as we were counseled by the student loan administrator at the school. It was disbursed in XX/XX/XXXX and I began making payments in XX/XX/XXXX. 

I have discussed lowering the balance with Navient and of course they will not. I wrote a letter to my congressman in XX/XX/XXXX who in turn contacted the U.S. Department of Education Federal Student Aid. They sent me a packet giving me all the scenarios for student loan forgiveness which I do not qualify for. I don't even qualify for lower payments given my income.

My greater complaint is that our Federal Student Aid Department will, one, allow a loan like this to be made at all, and two, it would allow a loan like this to be made to students and their parents without insuring that the parties understanding exactly what they are getting into.

When we went into the student aid office, we were in there for all of 20 minutes. The online process was very short and easy. There was no discussion of capitalized interest and what that could look like after several years. We were also told that we could easily transfer the account into his name at a later date. This was not the case.

The amount of interest we are paying is astronomical! This would qualify as loan sharking! I don't believe there are the checks and balances or required education in place for students looking to get a higher education. We are under the assumption when getting Federal Student Aid that the government has our best interest in mind and would not allow us to be taken advantage of in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I received this enclosed escrow statement from Bank Of America stating that I have an projected escrow short fall of {$330.00} for XX/XX/XXXX. My escrow account was review at the beginning of XX/XX/XXXX. I contacted Bank of American in XXXX and XX/XX/XXXX and was informed that I didnt have a short fall in my escrow account for XX/XX/XXXX. All of my obligations were paid for XX/XX/XXXX from my current escrow account. The account as of today, XX/XX/XXXX, doesnt have a short fall. All require payment from the account will be paid. 
I called Bank of American XXXX XXXX XXXX to find out why I received a letter about XX/XX/XXXX when we are still in XX/XX/XXXX. I spoke to XXXX, in XXXX, he informed me that my account was evaluated again using the projected insurance and tax amounts for XX/XX/XXXX and they arrived at this amount. I asked XXXX, was my current escrow account short. XXXX said no, the account was current. I asked him how this assessment could be done again in this year when Bank of American has not received any bills for XX/XX/XXXX. 
I told XXXX, if I paid this amount that was cause me escrow account to have an overage and that I didnt think that was legal. How can I be expected to pay for a XX/XX/XXXX escrow short fall when the bills have not been submitted to Bank of America for XX/XX/XXXX. XXXX transferred me to XXXX, a manager, and we had the same discussion. She informed me that there was nothing she could do. She filed a complaint for me with the bank. 
This is in my view, on the situation. It is a form of extortion because I am being forced to pay a debt that has not happened. Bank of America doesnt have any bills to pay regarding my account for XX/XX/XXXX. They will hold my funds and millions of other customers as an asset to make loans and draw interest to increase their profits.

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 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is my 2nd complaint! There have been Too many escrow shortages with this mortgage! We bought this home XX/XX/14 and there have been a total of 4 shortages, 3 with my current lender. 

I want to delete my escrow account, however my mortgage company is trying to charge me {$980.00} to do so! This is the 4th home I've owned in my life, and never had this happen until now!

Company response to consumer: Closed with explanation