vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
I own a property that pays for flood and other hazard insurance through an HOA. Every year, my HOA sends evidence of flood insurance to US Bank, my lender, so that lender placed flood insurance will not be placed on my account. This year, that evidence was submitted in XXXX, when the insurance is due, and yet US Bank still purchased flood insurance and placed it on my account. Despite numerous phone calls every week since XXXX, this flood insurance has still not been refunded to my account and has caused my house payment to go up {$500.00} a month. I have already paid over {$7000.00} to my HOA for flood insurance. Each time I speak with someone at US Bank, they tell me it will be 30 days in research before the insurance can be canceled and my escrow account credited. It has now been four months. If I could sue this company for negligence, I would.

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 2020-02-17 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: FL

Complaint narrative:
This account listed transaction was not done by myself. 

It is affecting my credit. 

Delete immediately. 

Thank you.

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 2020-02-17 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: FL

Complaint narrative:
This account listed transaction was not done by myself. 

It is affecting my credit. 

Delete immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: GA

Complaint narrative:
Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.

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 2020-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
There was a hospital bill that showed up on my credit profile that went into collections {$1400.00} the company name is One advantage LLC and XXXX XXXX hospital is the Original creditor I sent in my fraud packet on XXXX And Ive spoken to them maybe 3 or 4 times and they are very disrespectful and rude its been over 30 days and they are still giving me the run around its going on XXXX and this debt is still on my credit report and its affecting my credit score. This is the company Creditors phone number XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo has increased my escrow payments by 30 % roughly 300 dollars without any substantial increase in my taxes or hazard insurance premiums. I have filed two complaints with them and have been working with their executive resolution center for months. I initially contacted them identifying there is an overage in my escrow account and they were improperly paying my taxes on a quarterly basis when the state of Alaska accepts and bills taxes on a bi-annual basis. They then came back telling my escrow monthly payment will increase and now there is a shortage and in turn, my monthly mortgage payment will increase. I never started a loan with Wells Fargo I utilized a small federal credit union that in turn sold my loan directly to Wells Fargo after closing on it. I have had several phone calls with their customer service resolution team to no avail or real care for them to fix this issue. They are also trying to add a random third tax payment to reflect my taxes almost being {$10000.00} a year where is mid {$6000.00}. Their methods for calculations on escrow accounts are predatory at best, and their customer service system is designed to keep you bogged down and wear you out so you simply quit pursuing your issue. I can not afford this approximate {$300.00} increase nor will can I tolerate it. I requested to remove the escrow account it was denied as the VA mandates it which is not technically true. The VA mandates escrow accounts to homes within a 90 % loan to value ratio. All while I am an XXXX XXXX veteran no human being deserves this treatment and such a threat to provide for their family. I have attached supporting documentation for the hard numbers along with XXXX tax information.

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 2020-02-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
we took our loan out with royalUnited in XX/XX/XXXX. It all seemed a bit shady, It was a reverse loan, told they didn '' t check our credit, but they did, said i had to use the equity in my home to pay these two loans, and valued our home at {$120000.00} but the pay off was {$72000.00}, so they told us when it was over, the loan used up all of our equity, so all of these years they have added charges to the loan and it is now XXXX. also .the interest is XXXX a month. total activity this month is XXXX. Now XXXX has bought the loan, and we have never seen anyone and on this these things are listed as transactions- XX/XX/XXXX dis-procharge pre D7p appraisal XXXX -no one has ever reappraised this pro. also XX/XX/XXXX inspection XXXX XX/XX/XXXX disb .pro..chrg pre D & P-others-XXXX.taxes XXXX , and this XXXX .i sent to them but was returned and told to pay court house, court house sent back said it had been paid by mortgage comp . so that was their over site. total for transaction was {$860.00} .these charges where also added.interest XXXX, monthly int/MIP/PMI $  XXXXMONTHLY INT XXXX ALSO - {$540.00} -mip amount $ XXXX- {$130.00} {$37.00} {$130.00} prin- $ XXXX- interest {$2100.00} mip- XXXX.. The guy that helped us was XXXX XXXX from the start, said call if had questions, so a week or two after closing called when things seem wrong, but said they had to let him go.. so this is a night mare we will die regreating, we can never pay this mess off. and it help no paying a payment, but if we knew all this before we signed we would not done it. We where financed at a local bank and not behind so here at XXXX we own no home. they own us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact XXXX  XXXX. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with ace cash express some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against ace cash express or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank is refusing to allow the opt out and opt in credit limit increase regarding the Credit Card Act which is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I would consider this a predatory loan. To begin, the loan was taken out without my permission by my mother. I had already written in about how I dont believe in the validity of the loan, but it was denied because they say she was my guardian at the time. So after that being that Im an adult I finally tried to rectify this loan and its just been absolutely ridiculous and more or less impossible to pay off. The loan has been subjected to absurd amounts of interest. More than {$10000.00} has been paid on the loan through payments and through garnishment of my tax refunds two years in a row which caused me to be in a situation where I owe tax money to the state since it was offset. Even with all the money paid theyre saying I owe practically the same amount that I started with and when I ask how thats possible they say theyre charging interest daily even when I was making regular payments and in good standing. This morning Navient decided to hit my credit report with 7 late remarks causing me to drop 160 points, to a credit score so low that Ive never even been there before. I consolidated my loans last year with the loan rehab program so theres no reason I should have 7 remarks it should be one. These people are predatory lenders and clearly other states agree and I see that Navient are currently dealing multiple lawsuits because of their vicious ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was denied credit and have attempted to review my Equifax report several times and have been refused access to my report. I also just found out that my credit report with Equifax is still reporting several accounts that should have been removed almost 2 years ago like XXXX XXXX and XXXX  have, but have not and as a result Equifax is causing me great financial hardship. Additionally I was one of the victims of breach of information and to be refused my report while reporting old outdated and derogatory information is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was contacted by Capital One on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a Capital One rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the Capital One account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX I received a call from another Capital One rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. Capital One also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX  is holding my refund hostage, and my bank closed my claim even though I supplied them with an incredible amount of evidence because " too much time has gone by since I've opened the claim '' Mind you, I have been dealing with this since XXXX ( so 7+ months ), and have called XXXX and Chase Bank at least once a week since then and have been going around in circles. So yes, a lot of time has gone by..too much time for anyone to have to go through this. I feel as though I have been treated inhumanely and have broke down several times over this. I am at a loss, I don't know what to do, all I want is my refund. Chase Bank told me that " there was nothing they could do. '' I was a wreck after being told that, I feel as though I am being tortured for something that isn't even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
re : Marcus CD This CD matured on XX/XX/XXXX -- earning 2.75 apy. On XX/XX/XXXX I did an on-line inquiry of the renewal rate -- reading the actual interest rate would be per the actual renewal date. So I decided not to do anything until maturity. Today, within 10 days of maturity date, I went on line and saw the CD had been renewed for 6 months at 0.6 %. Furthermore I was told I was beyond grace period from XX/XX/XXXX. 10-day grace period starts from the maturity date -- the online inquiry starting the clocking is not legitimate. 
I was on the phone today for over 1 hour, speaking to 2 supervisor, appealing the arbitrary company policy, to no avail. I asked to speak to a higher level person -- was told only to wait for 24-48 hours, i.e., I would be further penalized for the cost ( not of my fault ) of the lower interest rate, plus more penalty ( over 700 as of today XX/XX/XXXX ) if I have to close the CD and run with my money.

Back when the law was enacted for a 10-day grace period, there was no online banking, so there couldn't have been a distinction between an online pre-maturity renewal vs. a renewal of a CD after maturity. So the company line is heads it wins and tail I still lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: AR

Complaint narrative:
This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX XXXX {$2600.00} XXXX XXXX {$960.00} XXXX  XXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOE/XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX   XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX  MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX  this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.

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 2020-02-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX  this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.

Company response to consumer: Closed with explanation