vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I have an account with Wells Fargo which can not be closed and the reason is the company will not answer calls from me when trying to close this account. I have been trying for several months and have decided they are doing it deliberately. Now They say I am overdraft but I shouldn't be, as I had no option to close the account in XXXX, OK as there are no locations here.

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 2018-12-04 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: MN

Complaint narrative:
I've been trying to dispute my personal information with Experian. The only option is online dispute. However, after creating an online account I'm unable to start the dispute as I keep getting the following message : " We're experiencing technical difficulties and can not access your report at this time. '' Calling the toll-free # on the screen provides no option to start the dispute. 
This has been happening for a week and there seems to be no other alternative to start the dispute. 

Please help!

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 2018-12-04 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: OpenRoad Lending
State: TX

Complaint narrative:
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is XXXX XXXX the last one is openroad lending

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is Regions Bank the last one is 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 2018-12-04 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: NC

Complaint narrative:
I have been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online team XXXX error XXXX then I was told to call consumer relations to have an update ... then called them and they told me to contact the online support ... so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since XX/XX/2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XX/XX/XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I recently had at least two account sold by XXXX XXXX to Flagstar Bank, which caused me to be unable to access server all XXXX dollars I desperately needed. I now live >100 miles from the nearest branch, so all of my XXXX XXXX banking was done online. I became aware that XXXX XXXX was planning to sell my savings account. First, I spoke to a XXXX XXXX representative about my wish to have my account remain with XXXX XXXX, but I was told there was nothing I could do. 

I told the representative my plan to drain the savings account, and at no point did the XXXX XXXX rep mention my checking account was moving to Flagstar too. 

On XX/XX/XXXX my checking and savings were moved to Flagstar.

I made 3 calls total to try to get access to my money between XX/XX/XXXX-XX/XX/XXXX. Flagstar is online banking was completely in accessible during this time. I never wanted to be a Flagstar bank customer, and now they have multiple accounts opened in my name. What concerns me even more, is that they refuse to close the accounts without several pieces of highly sensitive personal information being mailed or faxed to their corporate office. It seems crazy to me that a bank would be allowed to open accounts in my name without my consent. I would really rather not create a paper trail of my personal information for clock Flagstar to use to advertise to me. Furthermore I learned they are using my Social Security number as a login for the online banking portal which leads me to believe their security practices are subpar to say the least.

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 2018-12-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2018 I received several alerts with my credit monitoring saying that I applied for credit online. 

I never filled out any applications, so either it's a mistake or my identity has been compromised. 

I am waiting until the end of the year to apply for credit cards and don't want this many inquiries on my report especially when I did not authorize them. 

They need remove XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/2018.

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 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts  from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nevada Credico, Inc.
State: TX

Complaint narrative:
Hello I received a letter from XXXX XXXX on XX/XX/2018 that was supposed to contain information to validate a debt in the amount of {$680.00} that i'm being accused of. 
This letter did not have any proof that this account belongs to me. This document they've sent me was not an original contract signed by me. The date of birth on the " contract '' is not my date of birth. The employer listed on the " contract '' is not my employer. The social security number on the " contract '' is blank. No validating proof that this account belongs 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 2018-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Improved Data Services LLC
State: CA

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 - I received a robo call from the debt collection company identifying as Improved Data Services ( IDS ). Although XXXX appears to have sold the debt to XXXX XXXX XXXX , XXXX and would be handling the matter as of XX/XX/2018, IDS claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said XXXX was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from XXXX indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up. 

As of XX/XX/2018, IDS is continuing to call my job.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
One of the 2 accounts from USAA is showing correctly, however one was  not closed correctly with USAA, making it show negatively where they closed the account because it had been fraudulently compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Requested payment extension to make my payment, Wells Fargo granted the extensions but they were reported to The three credit Bureaus XXXX, XXXX, XXXX the payments were delinquent even though the payment deferment were requested prior to the payments being delinquent. Wells Fargo customer service gives misleading information, they give you verbal information and later they recant the conversation stating they never provided the information. They are unethical and not consistent or transparent with their conversation with the customer. I received mail stating the deferment has been granted but few days laterI received correspondence by mail they were going to repo the vehicle. Wells Fargo is very unethical. Please remove late charges from the account for the incorrect handling of the account. 

See Attachments

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 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Went through loan modification with wells fargo for over a year they approved and for no reason forclosed?

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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn Credit, XXXX, has left two messages on my phone stating the call is about a debt. They don't ask for anyone by name, I haven't received any written correspondence about a debt, I'm paying all my bills as agreed, and I've checked my credit reports to verify that there are no unknown accounts on them. It sounds to me like they're fishing for business, hoping someone will fall this and give them personal information. It also seems to me that they've disclosed too much by stating the reason for the calls without verifying that they have the right party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Visa XXXX Card. Chase sent out an offer to upgrade to another XXXX card. Same account number, so no impact on personal credit. No other fee changes on offer. I agreed to upgrade to the card. I activated the new card on XX/XX/XXXX. Today I receive a letter from Chase dated XX/XX/XXXX ( todays date is XX/XX/XXXX ) stating changes to account terms. The change is that they are increasing their annual fee from {$99.00} to {$140.00}. I find it awfully suspicious that the letter came after I had time to accept and activate the card. This seems a lot like a bait and switch tactic. I will not accept this change in annual fees as it was not advertised when I was initially offered this card upgrade ( and I highly doubt Chase bank makes decisions to raise annual fees in less than a months time, these decisions are factored in months in advance ). Another example of how the banking system is not regulated enough, or perhaps a sign it needs more oversight since they resort to tactics like this. Bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Background Information On XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX to Shellpoint Mortgage Servicing. 
In XX/XX/XXXX the mortgage amount from {$1600.00} was increased without any written explanation to {$1600.00}. 
I called Shellpoint at XXXX and asked for the reasons on the increase. The reasons I was given were the increased property tax by XXXX County and the hazard insurance. 

Complaint no. 1. 
Keeping the increased monthly mortgage amount by Shellpoint without substantiation. 
Although a supplemental property tax increase has occurred, the increase was incorrectly done by the assessor 's office. The Assessor 's of XXXX County cancelled the increase on XX/XX/XXXX and XX/XX/XXXX. 
Shellpoint is refusing to correct the monthly payment from {$1600.00} to {$1600.00} as it was transferred from XXXX to Shellpoint. 

Complaint no. 2 Escrow Impound Account to include Property Tax and Hazard Insurance. 
Shellpoint, previously XXXX, previously XXXX XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX XXXX established an escrow account to collect for property tax and hazard insurance. It is pathetic how many times my mortgage was sold to investors, creating utmost processing confusion for this property owner. 
My hazard insurance is paid through the home owners association monthly fee. There is no need to collect for it. 

The property tax has always been paid for by this property owner. 
Shellpoint contracted with XXXX, a local company to process the property tax payments for my property. This is negatively impacting this property owner for the following reasons : a. ) The Property Tax Bill is mailed to XXXX. The property owner is not receiving it. The property owner has no first hand knowledge regarding the appraised value of the property for the year XX/XX/XXXX-XX/XX/XXXX. 
b. ) The property owner is denied of the XXXX County property tax appeal process. 
c. ) Should the servicing companies like XXXX and Shellpoint declare bankruptcy, this homeowner will loose his/her escrow deposited dollar amount. 

Complaint no. 3 Shellpoint tries to collect an extra monthly mortgage payment by claiming that the XX/XX/XXXX payment was missed by the property owner. I spoke with Shellpoint at XXXX. I provided the check number and date the check was cashed by XXXX XXXX XXXX dba Shellpoint Mtg. Srv. on XX/XX/XXXX. Shellpoint is unable to find the payment. Shellpoint will not correct their files if I do not provide a copy of the cancelled check. 
I believe it is Shellpoint 's responsibility to keep track of the payments. It appears that Shellpoint 's XX/XX/XXXX mail demand letter with penalties and threats to collect extra money is without merit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
My mortgage servicer, SLS Servicing sold my mortgage to XXXX XXXX on XX/XX/18. I made my mortgage payment to my new provider. 

SLS Servicing had been withdrawing my mortgage payment from my checking account on the XXXX of each month. On XXXX XX/XX/18 they withdrew {$1400.00} ( mortgage payment ) from my checking account, which is after my account was closed with them. I have made numerous phones calls and have received a different story from each employee of this company that I spoke to. This withdraw has caused a negative balance in my account and I have accrued overdraft fees. To date, after 11 days has passed since they withdrew this money, I still do not have it 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 explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Today I tried to successfully placed a credit freeze with XXXX and XXXX. When I tried to place a credit freeze with Equifax they advised that could not, as I had no record on file. 

The asked for me to provide identifying documents increasing my exposure to identity theft. 

I declined and they declined to put a freeze on me. 

I asked for the details of where I could complain and they declined to provide a complaint location.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I originally complained about the unfair assessment of late fees on XX/XX/18 to my loan account ; the fact that they mixed up the mortgage payments and put them into the wrong accounts ; that the extra money I sent to be paid to the principle was paid to the loan interest ; and the most important part they allowed my homeowners insurance to lapse, because they did not renew my insurance on time, and as a result it is scheduled to expire on XX/XX/18. They have addressed the first two issues to correct the mistakes of payment in the right places and adjust principle to reflect the payments made to that area, but they have neglected to fix the insurance part which is most important, because a house must have insurance on it, in case of fire or natural disasters, if for some reason something perchance occurred, I would not be covered. In this case, although the mortgage is tied to the home insurance and they are responsible for paying the premiums and ensuring that the insurance coverage is there, instead, they have ignored this aspect of the complaint, and just sent me a letter stating that the home insurance will expire on XX/XX/2018, without making any efforts to see that it be reinstated to ensure that my home is covered from these disasters, and they are further telling me that without home insurance, they can not service my mortgage loan, which is very unfair of them to me, as they are totally responsible for renewing it, and they don't care to do so! And I want my insurance reinstated before the expiry date reaches! I urgently need this to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.

Company response to consumer: Closed with non-monetary relief