vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a mortgage with Wells Fargo Bank and I believe they are not processing my payments upon receipt. I tried to get a home loan in another state where I now live and the lender said that wells fargo reported me 11 times for being 30 days or more late on my mortgage in the past year which has affected the opportunity to buy a home in my new state. I spoke with a wells fargo rep who reviewed my payment history and confirmed that I have not been more than 30 days late in the past year but refused to write a letter stating this for the lender I am trying to work with here in my new state. I then went into the Wells Fargo mortgage web site to look at my payment history over the past year from XX/XX/2018 to the present and the only payments showing in the history are for XX/XX/18 then it jumps to my XX/XX/18 payment and no payments in between. I believe wells fargo is not giving accurate information to the credit reporting agency and they have not been immediately applying the funds I pay to my mortgage account in a timely fashion so as to cause my payment to be late thereby charging me a late fee. I am requesting a full investigation into wells fargo 's management of my mortgage account. Thanking you in advance. 

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 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit Card charged me an extra {$73.00} despite the fact that I paid all the balance on credit card bill in full before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I had an open Complaint with CFPB XXXX, it was closed when American Express sent a letter with no resolution? The letter response to above complaint has American Express admit that they failed to initiate the proper fraud investigation on XX/XX/XXXX when I called the fraud department. American Express also admits that they never that the fraudulent debited monies from my personal checking account was to be returned XX/XX/XXXX email. The made an error and forgot to do this. I had placed many calls about this and was assured it would be taken care of it. After 15 months it is still not resolved. I will not closed out my complaint until American Express returns the {$8000.00} taken from my account by American Express. 

Dear XXXX XXXX, As a member of American Express since XX/XX/XXXX, I never had a company admit fault in their handling of procedures and not help or rectify the issue or mistakes. American Express admits they failed to initiate a fraud investigation on XX/XX/XXXX when I spoke directly to the Fraud department in a panic as my card was being charged in XXXX for over {$120000.00} dollars. American Express admits in an Email letter on XX/XX/XXXX that the fraudulent debited monies from my personal checking account was never credited back and it was an error on American Express part. All this should have been handled at the time. After my phone call from your former CEO office, I was told I would receive assurances that my issues would be addressed and my {$8000.00} be returned. I was to have follow up on how all this was mis-handled by American Express. The {$150.00} token credit was given for my troubles. I never received any more correspondence or answers from this office. Your letter is an insult to my troubles caused by American Express and the response from American Express is sorry for any trouble we caused you and you have to deal with it on my own? American Express needs to return the {$8000.00} that they fail to handle when it was brought up immediately by me. I will contact an attorney if need to. Clearly your letters admit fault. 
As for the so call emails sent to me, all legal correspondence from American Express was always sent to me in letter form. The emails I receive are only a message to log on to my account to retrieve a message. Does your office know that since my account was closed and I received three different sets of cards since the breach, every time I logged on, I had a message my account inactive closed. I was unable to see any messages. 
The response to CFPB from American Express is an insult to me and clearly shows deep issues at American Express Fraud protection services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My loan originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX XXXX XXXX. My loan was later bought by XXXX XXXX. There is no evidence XXXX assigned the note and deed of trust to XXXX XXXX XXXX, XXXX, as Trustee for XXXX Master Participation Trust ( XXXX XXXX XXXX ) on XX/XX/XXXX. There is no pooling and servicing agreement. Caliber Home Loans, Inc. ( Caliber ) began servicing your loan on behalf of XXXX XXXX XXXX on XX/XX/XXXX. The Note, as modified by the XX/XX/XXXX loan modification agreement, and Deed of Trust are no longer in full effect since the original note was canceled. They can't have two notes open. There is automatic stay in place when my wife XXXX XXXX XXXX, filed for Chapter XXXX bankruptcy on XX/XX/XXXX. There was a sale scheduled for XX/XX/XXXX, but as Mrs. XXXX filed for bankruptcy protection on XX/XX/XXXX, foreclosure proceedings are currently on hold. The 36-month payment history is all wrong as my pre-petition and post-petition payments have not been credited correctly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX Chapter XXXX was filed. On XX/XX/XXXX Ocwen approved a mortgage modification. 1st trial payment was XX/XX/XXXX last on XX/XX/XXXX. Completed on time. Contacted them multiple times to see when i was going to receive statement. Called multiple times for years & was told to keep paying modified amount. So I did. CXXXX BK discharged XX/XX/XXXX. XX/XX/XXXX received a 2page statement dated XX/XX/XXXX saying Due in bold red letters {$65000.00} to bring my account current. Said became delinquent XX/XX/XXXX. Received another statement next day dated XX/XX/XXXX, saying payment duue XX/XX/XXXX for {$67000.00} also in big red letters. Contacted, said my payment was rejected. They told me to send proof of all my payments for pat 4.5 years and schedule appt for XX/XX/XXXX. Sent me a hardship info pack to complete. They sent me a modification pack without using my current expenses, etc in my hardship pack that I had not sent back yet. Told me to take their modification AS IS pre-apprived & if they review my hardship pack it is not guaranteed I get a modification. I called them with an update of my pack every couple of days and just said ok. Now paying {$2400.00} from {$1000.00}. They added $ XXXX on my loan w/baloon. Need help, savings exhausted. They forced me to take this or lose my home. Did not attempt to work with any offers I made. May lose in a couple of months. Expenses are more than income. Have cut all I can. I've been totally onest with them for years but they did not ever tell me any kind of way I need to be paying my original amount before mod or even should have told me it was not approved. They just kept taking my money. Said they couldn't tell e anything becasue I was in a BK. They should/could have not even sent the trial mod payments if that is the case. I have lots more info, documents, etc. I'm so sick, worried, stressed, can't sleep. I need some type of relief. I pray you can assist in some way. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
The payment history reporting to my XXXX credit report by Statewide Auto Sales is inaccurate. They are reporting over 20 late  payments ONLY to my XXXX credit report. I reached out to them to correct this matter and they informed me to dispute it with the bureaus. The bureaus are only reporting what they are being sent and they sent XXXX false information. They have never received a late payment from my account but reported to XXXX as they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I lived in Illinois for 40 years and had a tcf account for about 4-7 years. I was so overcharged by TCF bank- Over {$500.00} plus prior I have constantly overcharged hundreds and hundreds of dollars. I finally dumped them and they gave me a bad credit report. My son had an account only for a year or so and he received a check.I should have received a substantial check as they milked me out of more than {$1500.00}. Plus the hours I spent talking to c.s. and going to the branch to try and work things out - which never prevailed. I should have been on this - was it because I moved? Thanks - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
I purchased a new home in XX/XX/2018 and my loan was for XXXX at closing. 
I sent in a payment in XX/XX/2018 for XXXX to apply to my principal on my loan. my balance was XXXX and my loan was purchased by Loancare. My first statement reflected this. now my balance shows XXXX. On one can tell me where my momey went. 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 2019-01-17 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I was compromised by Equifax with millions of others. My XX/XX/XXXX Federal Tax return was then compromised. i could not get my credit report.online. On XX/XX/XXXX, I called Equifax and had to talk with two different agents. I asked about my credit report. after going through years of credit identification, I was told of the personal name errors and address. I ask them to clear all of them but my first middle and last name. And clear all addresses except the one I have used for the last 20 years. The last three years credit cards, car loans and mortgages were correct. 
I was mailed a dispute confirmation number with my son 's name on it not " mine '. I am his mother. On XX/XX/XXXX, after receiving their email, I talked to two more agents for an hour.They both said I had to send in more identification or file a dispute online. i could not file a dispute because it would not take my social security number or email I've had for 30 years. the last agent walked me through the disput forms online and said I had to file under my sons name. But '' his '' SSI is  different. She could not help me. Identity theft is a nightmare and it comes from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX Security alerted me XX/XX/2018 that my care was used in store two transactions {$190.00} and {$1.00}. They asked via text if I made these transactions. I texted back no then the told me to call them and I did they asked me to confirm info and they informed me that they'd cancel my credit card and send a new one. week after week I get calls that I am overdue on payments. I call to tell them it is fraud related, week after week. finally someone told me to fill out the proper paperwork and I do. after that I still get collection calls. Finally I talked to someone in the customer service department and the said they receivers the paperwork and that I need to file a complaint because they did not give me the proper information to clear the fraud charges. They also charged late fees. This is an issue regarding 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 2019-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
My VA mortgage w/XXXX  was sold in XX/XX/2018 to Flagstar, Escrow monies were used by XXXX to pay Insurance while Flagstar paid Taxes. The Taxes decreased in 2018 because of my application for and recieving Homestead Exemption, thereby leaving an overage in escrow. Upon my Inquiry to Flagstar about the approximatly {$400.00} escrow overage and adjust Monthly Payment, I was told that, Flagstar must keep two months cushion in Escrow for a VA mortgage because of RESPA.

I don't know the Rule or reference to RESPA, so I'm making this inquiry. 

With XXXX there was always a small shortage which was rectified the following year with a slight increase in monthly payment. 

Thanks, 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 2019-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: NV

Complaint narrative:
This is in response to complaint number XXXX, filed against Experian. Experian seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that Experian is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. Experian HAS NOT followed the law according to the FCRA by sending me this validation. Yet Experian only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.

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 2019-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I looked onto XXXX XXXX and saw a collection for {$610.00} from Ad Astra Recovery saying it was opened XX/XX/2016. However i have no paperwork or my official signature to support that nor have i even taken out a {$600.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the Better Business Bureau and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance one has been harassing me with phone calls and letters after I asked them to stop. I do not owe any medical bills and never have been to a medical center in XXXX. They keep telling me that I can be sued for these two accounts that are ruining my credit and that they will go after my wages. Who are these people? I am appalled that they are acting this way over medical debts that patients owe, not myself. This is so heart breaking because there is no humanity left. I will counter sue them in fact if these accounts are not deleted from my credit reports immediately! I work in health care and I am very familiar with the CFPB, FDCPA and HIPPA laws. This company is carelessly violated nearly all laws that protect people. I have denied and spited these accounts to no avail and have not received notices of disputes, validations or any important information. I will not accept any more communications with this company and I hereby resist all forms of contact. I will have proof of your unlawful behavior after this dispute and I will gladly return to this forum and continue to file for as long as I need to until I deem it fit to actually SUE YOU!

Company response to consumer: Closed with explanation