vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I recently refinanced my mortgage with a new lender on XX/XX/XXXX, and my previous lender SPS , Inc. was paid in full on XX/XX/XXXX. My current city and county taxes were paid by my new lender, and a double payment was made by Select Portfolio Servicing , Inc.. It has been over 90 days for Select Portfolio Servicing , Inc to resolve this issue. I filed a dispute with Select Portfolio Servicing , Inc, and I was sent a letter stating the loan was paid in full and they could do nothing. I received this letter from XXXX XXXX in the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. stating this issue was resolved. I had to contact the tax office for my escrow refund, but they are holding the funds as they can not send them to me directly. XXXX XXXX at Select Portfolio Servicing , Inc. has refused to contact me or the tax department to resolve this issue. I have repeatedly requested a phone call to explain my issue, and could most likely be resolved with a phone call by Select Portfolio Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: MD

Complaint narrative:
I've sent certified letters stating that multiple inquiries weren't mine and was a victim of identity theft. Experian actually sent me mail stating that they would NOT remove the inquiries and started automatically returning my certified letters. 

I've enclosed a copy of the Identity Theft Report that I filed with my local Police Department and the Federal Trade Commission as well. It has been completely ignored. 

Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : Credit Acceptance Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Center Date : XXXX XX/XX/XXXX Creditor Name : XXXX   XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Na Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX Co Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX 2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit. 

XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX   XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is refusing to give me a copy of the appraisal. 

loan : XXXX XXXX I want a copy of the appraisal. They are violating the Appraisal Disclosure Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
We contacted Rocket Mortgage / Quicken Loans regarding the purchase of a new home during this process talking to XXXX XXXX Mortgage Banker Email : XXXX Phone : ( XXXX ) XXXX, ext. XXXX Fax : ( XXXX ) XXXX NMLS # XXXX During the three way teleconference over the phone between my wife, myself, and XXXX we went over the options for our closing and APR 's availabe we agreed on a APR of 4.125 and {$2000.00} from Rocket Mortgage/Quicken and {$3200.00} from the builder to cover all closing costs. We would use the {$1800.00} remaining from the builder to purchase a refrigerator instead of using the entire {$5000.00} from the builder to Rocket Mortgage/Quicken which when discussed with XXXX as an option if we used the entire {$5000.00} that would result in a lower APR of 3.75. When receiving the closing disclosure on XX/XX/XXXX we identifed that Rocket Mortgage/Quicken did not call and discuss with us them taking the entire {$5000.00} towards closing which should have changed our APR from 4.125 to 3.75 which was prevously promised and told to us by XXXX. This is very unprofessional and very deceiving especially when I was being transferred from one duty station to another in a condensed time period. Rocket Mortgage/Quicken had ample time to notify use to get our consent prior to closing of these huge changes which they did not. XXXX 's supervisor XXXX XXXX fixed some of the mistakes on XX/XX/XXXX like the missing {$2000.00} promised to us from XXXX at closing but could not change the APR since this would alter our closing date of XX/XX/XXXX. As a result of their unethical practices we were forced to close on XX/XX/XXXX with an APR that was not promised to us if we gave Rocket Mortgage/Quicken the full {$5000.00} from the builder towards closing. We should have waited but as an XXXX XXXX XXXX with 22 years of service I could not do this to my family of five delaying the closing date that we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
This company has been calling me all week. When I tried answering the first two times, there was no one on the line or I could not hear them. Then on XX/XX/XXXX at XXXX when they called, I answered and talked to a person. This heavily accented person asked for someone other than me. I said that he had the wrong number and that I didn't appreciate this company calling me two times per day everyday. I told him to remove my number from their calling list. Then he started asking if I know the person he was trying to call. I asked where he was calling from and he said something like XXXX XXXX or something. I told him that I am not that person and to take me off their list ; that they have the wrong number. My request has been ignored. They called my cell phone again that night at XXXX XXXX. and called me yesterday at XXXX and again at 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 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
I obtained an installment loan through Sun Loan that was charged off XX/XX/XXXX. I experience a hardship, in which I was laid off from my job and fell behind on the payment. I made a payment to the corporate office for the charge off balance in full on XX/XX/XXXX. Since then the account has been reporting to each of the bureaus incorrectly and the balance is showing as a debt that has not been paid. I have had to call XXXX XXXX in the credit dispute department numerous times to correct the issue. I feel the company 's practice is very unorganized as to keeping record. I was told on one occasion she could not find my accounting records to show payment then another occasion that a representative in the company did not know I paid the account in full and reported incorrectly to the bureau. I am in the home buying process and I have done my part with the company and should not have to bare the burden of continuing to deal with this issue. Receiving alerts, my score decreasing monthly, and having to call the company to correct the issue with poor excuses is very unethical practice. I am asking for the account to be removed/deleted from each credit bureau and to reflect as such on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX and I have an account with Wells Fargo I was using anther company to make wire transfer because it was less expensive This time they asked me to call Wells Fargo to get Advance Access code and when I did they told me that I should receive it by mail during 3 business day I told the agent that I couldnt way for three days so she told me to go to the office bank and do the wire transfer through Wells Fargo I asked to speak with supervisor named XXXX and after explaining the issue it just simply hang out

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 2018-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
The company has now stopped talking money out of my account for no reason at all and they sent it to collections which is XXXX and XXXX this company is XXXX me over

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The following information was taken by me ( XXXX XXXX XXXX ) : 1. Bank of America sent me a Reinstatement Calculation stating my loan was in foreclosure on XX/XX/XXXX requesting that I pay XXXX by XX/XX/XXXX. 

2. My action - I submitted a cashier 's check via XXXX XXXX  on XX/XX/XXXX in the amount of XXXX with a return receipt. I called on XX/XX/XXXX and XX/XX/XXXX, and I was assured my loan was caught up to date and would not go into foreclosure status. 

3. Bank of America served me foreclosure notice on Wednesday, XX/XX/XXXX and now my records of foreclosure are public and I am a XXXX Employee. 

4. My action - I contacted Bank of America for a fax to my employer to state that my bill was paid up to date. As of XX/XX/XXXX, I still have not received the fax after speaking to 4 customer service representatives with a call log of 2.75 hours attempting to get this issue resolved. To date, my information will be posted public and not to mention the humiliation I suffered and am still suffering at work. No FAX as of yet ( XX/XX/XXXX ) 5. An apology from the company.

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 2018-03-02 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.

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 2018-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for an offer from XXXX XXXX XXXX and was denied by Chase I already have a XXXX   credit account and am a XXXX XXXX account holder. I was not declined for those reasons instead they told me I had Deliquancy or public record. 
I have a Bankruptcy that will be off my record this XXXX after 10 years. Also told me number of new requests which was a problem with the credit bureau last year that has been resolved. Length of time since oldest credit. My first credit was when I was XXXX and I am now XXXX and last Length of time since most recent public record. I got a VA loan in XX/XX/XXXX and last record was the Bankruptcy in XX/XX/XXXX.

When I filed Bankruptcy I did list Chase as a creditor and I believe that is the reason for this decline. Discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
webster bank is harrassing me about a debt i dont owe XXXX 2015 i was in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I never bought a car from the dealer that financed it using Westlake financial car was never registered to my name It never even was reported to motor vehicle saying that I owned it the dealership stole the money directly from the bank and kept it I only found out that in my credit report I tried to contact the dealer they closed down so I contacted Westlake myself and they told me that someone has the money they lend out I told them I never took the car at all registered it or insured it the dealer himself took the money using my personal information they claim I owe them {$14000.00} for a XXXX XXXX XXXX car that I never owned my personal records will show that I never owned this car or anything related to it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request that the public record listed below ( and attached ) be deleted from my TransUnion credit report because it does not meet the XX/XX/XXXX XXXX  requirements ( PII ) in the Enhanced Public Records Standards. For a public record to remain on a credit report it must have the mandatory information of Name, Address, Date of Birth and/or Social Security Number. This tax lien doesnt include either a DOB or a full SSN ( only 4 digits are provided ). I filed a dispute directly with TransUnion but they didnt seem to be aware of the enhanced public record requirements so it remains on my credit report even though it does not belong to me. As a result, I respectfully request that the CFPB inform TransUnion that this public record needs to be removed from my credit report. 
Federal Tax Lien Account # : XXXX Date Filed:XX/XX/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 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I checked my account and had {$430.00} to use for the week. 
I used my card XX/XX/XXXX, XXXX for everyday purchases most of them under {$20.00} Upon Checking my account XX/XX/XXXX on my payday I had several overdrafts and fee 's. 
I contacted Chase Bank 3 separate times on XX/XX/XXXX without resolution to try and have the overdrafts reversed and I was told I need to monitor my account better, get savings protection, and they couldn't reverse any of the 12 overdraft fee 's? 
So basically they took {$400.00} dollars from me - Most of the overdrafts were {$5.00} and/ or below {$20.00} they charged me {$34.00} for each and every one of them - I want my account to be refunded all the fee 's they charged and I will be taking my banking elsewhere I can not be robbed of money by some useless bank! I will also be talking, posting, yelping, and telling everyone that JP Morgan Chase scams hard working professionals such as myself out of their money with fee 's!! it's not as if in a day or two Chase lost any money due to my account being overdrawn as my payroll check was deposited and the problem was solved. I am very upset with their practices. If my money is not returned to my account I will retain an attorney to file a lawsuit with this banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 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: MA

Complaint narrative:
There is a Bankruptcy being reported on my credit report by Trans Union and XXXX that does not belong to me.

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 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
Been making payments for a year never late! Have been over charged for insurance that they said would be correct since the first payment they asked for proof of insurance on the vehicle. I provided it to them and they still are charging me an fee extra saying I dont have insurance? Now I made a payment on XX/XX/18 for the amount of XXXX and they said they didnt receive a payment. I proved threw the bank, several faxes and emails that they took the payment out of my account. But they said they didnt get it so they shut my car off till I make anouther payment. My bank told me to file a complaint cause the clearly took the money. I have made all payments with the same card for a yr no problem. But now they say no way to trace payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of ID theft ; her information was used without her consent to try and establish credit accounts. While the applications submitted were not successful the fraudulent related inquiries were posted to her credit reports. Among this are XXXX XXXX XXXX XXXX XXXX ), where a previous CFBP escalation has already been submitted ( see ref # XXXX ) and Comenity Bank ( XXXX XXXX ). Attempts have been made with these creditors to have these items removed however the creditors have no replied to my client with the results of the dispute as is their obligation under federal law ( FCRA ).

Company response to consumer: Closed with non-monetary relief