vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint is in regards to my Conventional Home Loan # ending -XXXX with Wells Fargo Home Mortgage ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and the miscalculation of my escrow account. 

On XX/XX/XXXX I was informed by monthly payment would go up from {$1800.00} to {$1900.00} ( XXXX or 8.25 % ) unless I paid {$1000.00} by XX/XX/XXXX. 

I have elected to pay the amount requested. 

The reason sited for the increase was due to an Escrow Review where my balance would drop below the minimum requirements. 

Upon closer inspection of the forms the reason for the increase was a failure to include my property insurance by Wells Fargo. See page 2 of the XX/XX/XXXX Escrow Review Statement.  Actual XX/XX/XXXX to XX/XX/XXXX does not include Property Insurance but  XX/XX/XXXX to XX/XX/XXXX Projected does include an estimated charge of {$2400.00}. 

I took out this loan in XX/XX/XXXX and I actually received a refund in XX/XX/XXXX ( attached XX/XX/XXXX Escrow Review Statement ). 

The problem appears that insurance was not assessed into my Escrow account due to prepayment at the time of funding my loan. As apart of my closing costs I prepaid 12 months of insurance in the amount of {$2600.00} ( page 3 of my closing documents - see attached image ). 

After gathering these documents I contacted Wells Fargo Mortgage company on the number listed on the Escrow Review Statement XXXX on XX/XX/XXXX @ XXXX XXXX CST. I spoke with XXXX and relayed the above information, she did not dispute any of the enclosed details and re-ran the escrow report which came back with the same figures in the XX/XX/XXXX Escrow Statement. 


My complaint against Wells Fargo Mortgage is their Escrow calculations are only built off certain periods of time and do not take into account circumstances such as prepayment of insurance at closing. Furthermore, it appears Wells Fargo only utilizes certain periods of time Actual vs. Projected that fall within the mandated Escrow Review period. I recognize I am responsible for paying property insurance and property taxes ; however, I have relied upon the calculations of my lender to prevent surprise. I also understand my monthly payment can change due to fluctuations in property taxes, property valuations, and property insurance rates. None of these circumstances applied in my situation, my taxes nor my insurance went up. I am very disappointed in the services provided by Wells Fargo Home Mortgage they did not look after my interests as their customer.

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 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am trying to obtain copies of of my personal XXXX and XXXX Discover Card statements. 

This is for IRS audit purposes. I owe the Discover card money and they have not responded to my requests. I have been left on hold for hrs or hung up on or transferred to a third party debt collector. 
I have sent repeated request via certified mail. 

No response. 

Pleasae assist me in asking them for copies of XXXX and XXXX statements for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX is calling my parents house between 3-8 calls per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase charges {$34.00} 3x a day if given the chance.

I recently had an issue with overdraft fees being charged for pending transactions. The transactions did not stop showing pending until XX/XX/XXXX. They hit my account XX/XX/XXXX and is meant to be paid XX/XX/XXXX. For whatever reason, this time Chase decided they would charge me 2 overdraft fees. Each fee coresponded to a charge from XXXX XXXX that was pending on XX/XX/XXXX. I got paid around XXXX on XX/XX/XXXX, yet Chase had already charged me TWO overdraft fees for PENDING transactions. I asked that they return the overdraft fees and they absolutely refused to do so because they reversed some others for unexpected charges in the last 365 days. Chase is a terrible bank who charges OD fees constantly even when stuff is pending. I wouldn't even care because typically it would be my mistake, but in this case the payments that hit my account are normal and occur EVERY SINGLE pay period, yet Chase has never charged me OD fees for them before. 
To recap : XXXX XXXX charges hit my account on XX/XX/XXXX - XX/XX/XXXX as PENDING I was paid XX/XX/XXXX around XXXX Chase charged me an overdraft fee for each XXXX XXXX transaction Charges did not come out of Pending until XX/XX/XXXX. 
These are charges that occur in my account every payday ( twice a month ) and I've never had issues before now. 

I would like for Chase to refund my OD fees, and the 2 prior to this incident if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Not my Acct or debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
This is a transactions fromXX/XX/2019. I went into the pawn shop to pick up my computer at XXXX XXXX XXXX in XXXX La but my card was declining because i needed a pin number which the American Express Serve Card didnt all me too. So I went to the XXXX XXXX on XXXX XXXX in XXXX  and retrieve XXXX off my card XX/XX/2019. After this transaction I didn't need to use the card again so on XX/XX/19 I looked for my card this whole day but didn't have it. I called to report it lost/stolen that same day and disputed two transactions ; 1. {$50.00} XXXX XXXX  ( I have used this gas station before but my transactions never of over the amount of $ XXXX  {$15.00} max ) 2. {$58.00} XXXX XXXX XXXX XXXX I have never been to this location and had to XXXX this location.I have went to both locations to try and get the cameras. American Express Serve told me I didn't need a police report at the time but as it turns out I had went get one anyway. They had closed my account but when I contacted the corporate office spoke with XXXX ( he got it back open ) and told me a third party has the company now. Also told me that they were going to re-open my case and at the end of the day still the same results when its not my purchase and this is my money that was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: MI

Complaint narrative:
On or aboutXX/XX/2019 Mandarich law group , LLP posing as attorney for XXXX , XXXX, a shell corporation previously divested of all assets in bankruptcy, did serve or cause to be served a " request and writ for garnishment ( periodic ) '' on this honorable consumer. 
The unsigned request and writ for garnishment was also filed with the XXXX district court of Michigan. 

This consumer performed a search of state records through the Michigan department of licensing and regulatory affairs, and found that neither Mandarich law group , LLP nor XXXX , XXXX are licensed as collection agencies as required by state law. This consumer has ordered verification of licensure from the Michigan department of licensing and regulatory affairs showing the unlicensed status of the above named entities. 

This consumer believes based upon knowledge thus far gained through public records that Mandarich law group , LLP and/ or XXXX , XXXX are violating federal and state consumer protection laws in an unlawful enterprise. 

Screenshots of Mandarich law group , LLP indicate that they are a debt collectors, are included as uploads. 

P.s. this consumer has previously filed a complaint with the CFPB # XXXX XXXX aimed at XXXX , XXXX , but does not expect a response as XXXX XXXX is a shell corporation .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KS

Complaint narrative:
In 2010 I enrolled in the XXXX XXXX  XXXX program. To start I was told the total cost for the program would be {$13000.00} ; when I started get statements from FedLoan the price was almost {$20000.00}. I was also not told by XXXX rep that the XXXX  part of the program would allow me to work as a XXXX XXXX, this was not true. XXXX does not have Accreditation nor do you get enough education to qualify for that type of job. Upon graduation, due to the constant exchange of teachers quiting, students were not receiving proper XXXX training, and thus did not have enough education to gain employment. Most of us were not allowed to take our state boards and the school Administrators would try and talk you in to re-enrolling to redo the course or even take something different. The school has since closed and I have been told through their company I am not allowed Loan forgiveness. I have never gotten a reason as to why I was charged more for school nor have I received a Graduate certificate and I was never eligible to take State testing to become a XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Waypoint Resource Group Inc. keeps putting me in a collection status on the ( Credit Reporting Agency 's ) CRA 's now 3 times about a debt of XXXX USD owed. When I call them they are telling me they have no records and I asked them why do you keep putting this in the CRA 's if you don't know what it is about? After giving them my particulars they can not find anything then keep doing this XXXX months later. I paid a lawyer to remove this from the CRA now I am demanding that Waypoint Resource Group get this removed ASAP or I will have to file a lawsuit first all I spent XXXX XXXX getting this cleaned up next my job requires a security clearance and the CRA 's have dropped my FICO now XXXX points for their improper actions. I have never received a letter or validation and this continues. I am going through reinvestigation and this has come up! I lose my job because of this I will litigate for damages. I need your help in getting them to stop this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX I CONTACTED THE DOCTOR PRATICE AND SPOKE XXXX, SHE STATED THAT THE XXXX   XXXX XXXX IS RETIRED AND THE PRATICE XXXX XXXX XXXX. HAS CLOSE AND NO LONGER IN BUSINESS, I WAS AND STILL A VICTICM OF IDENTY THEFT, STARTING YEAR XXXX CURRENT THE DEBIT COLLECTIONS COMPANY GOLD KEY, REPORTED 4 NEGATIVE ACCOUNTS WITH XXXX XXXX XXXX PRATICE, AND CAN NOT UPDATE WITH THE COMPANY THAT IS CLOSE, THE COMPANY XXXX IS WORKING IS A STEM CELL RESEARCH COMPANY CONTACT NUMBER XXXX ASK TO SPEAK TO XXXX., CONTACTED SECONDARY INSURANCE PORVIDER XXXX XXXX XXXX HAS NO INSURANCE CLAIMS PAID DATE CALLED XXXX FRAUD DEPT XX/XX/XXXX THEY HAVE NO RECORD OF DATES OR OPEN BILLS FOR XXXX XXXX XXXX, GOLD KEY DEBIT COLECTOR HAS REFUSE TO TALK TO ME XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX ( XXXX ) DOB XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: URS Holding, LLC
State: CA

Complaint narrative:
The company handling my student loan is XXXX XXXX. On XX/XX/XXXX I decided to pay the debt in full. This amount of XXXX was verified by two separate people at the company. One of the representatives was XXXX XXXX. I did not catch the other representatives name. I was also assured this account would be closed and I would be receiving a letter that the debt was paid in full. I never received that letter and actually received a bill for XXXX. I contacted Ms. XXXX on XX/XX/XXXX at XXXX ( PST ). During this conversation she assured me that amount would fall off and it had only accumulated because they were waiting for the Department of Education to close the account. I was told she would follow up and I would be contacted by XXXX. I never heard from Mrs. XXXX and then tried to contact her XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I contacted her again. She answered and referred me to her supervisor XXXX XXXX. I explained the situation to Ms. XXXX. She claimed that amount had not caught up to the system when I was given the final payment amount. I told her that amount of XXXX was verified by two different people at her company. She apologized and stated I still owed the XXXX. I told her I wanted to pay it as long as that was the remainder of the loan and it would then be paid in full. She offered to take off the {$10.00} in fees and put it through as a settlement. I told her I did NOT want to do this, as I had already paid almost {$17000.00} and did not want it go through as a settlement and negatively affect my credit score.  She told me the amount showing in their system had a XXXX cent discrepancy with what was showing on the Department of Education and that she needed to get it adjusted, otherwise if it were not the exact amount it would not close the account. She assured me I would hear back from her by the end of the day. I did not hear from her. I made multiple attempts to contact her to resolve this matter on XX/XX/XXXX. I spoke with XXXX XXXX ( another supervisor ) who told me he could close out the account, even with the discrepancy. I explained Ms. XXXX stated that would not be possible and I would like to speak with her directly. He told me she was at lunch and assured me she would contact me. I have yet to be contacted. I keep getting the run around and all I want to do is pay the amount and close the account. It seems as though they would like to keep the account open to collect more money in interest in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-20 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: AZ

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: TX

Complaint narrative:
There is a debt collection in on my credit report in the amount of XXXX dollars. The collection agency is Tek-Collect Inc. This is on behalf of XXXX XXXX XXXX PA in XXXX TX. This is apparently for dental work performed in 2017. I have never had any dental work done by this dentist. No one has contacted me about this outstanding debt. No paperwork has been sent to my address. No one has contacted me by phone. I have no knowledge of this debt. I want to see the original invoice for this transaction but I get the run around from this company.

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