vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: CA

Complaint narrative:
We refinanced with SWBC in XXXX. The annual escrow disclosure statement came to us around the same time that our loan was sold to XXXX in XX/XX/XXXX. That is when we learned that our escrow opening balance was a negative {$1200.00}, rather than a positive {$1900.00}. As a result of my investigating as to why the escrow account was in the negative, I found out that a " pre-paid '' check of {$1600.00} that was intended for a 1 year premium of homeowner 's insurance was not sent -- and that SWBC took this premium from our escrow account instead, therefore making the account short. Since then, I have sent 12 emails asking where this check is. I have also called many times and spoken with supervisors, XXXX XXXX being one of them -- to no avail. I have called and spoken with XXXX numerous times explaining that what had happened, and I needed time to resolve this. In the meantime, I have been sending the original {$1400.00} payment each month, including the {$390.00} intended for the escrow account. XXXX has now sent a letter saying that they have alerted the credit bureaus and returned the last mortgage payment, less the escrow account monies, saying that they don't accept partial payments ( because I didn't send the extra monies to bring the escrow account up ) .Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have several auto leases with American Honda Finance, I have always paid this on time. After the return of the vehicle XXXX XXXX which was returned XX/XX/18 the account was closed out paid in full. I did get a bill for mileage overage which is a separate agreement from the lease - with separate payments and therefore should not be reported under the lease account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
Enhanced Recovery Collections is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advanced Recovery Systems, Inc.
State: WY

Complaint narrative:
I suffered an XXXX XXXX in XX/XX/2018 that required emergency care, and did not have the option of shopping for best provider. XXXX XXXX allegedly distracted that XXXX  but incompletely which required additional distraction at hospital admission. XXXX XXXX was requested to provide the Medicare billing code and amount that would normally be paid for such billing code per the Center for Medicare and Medicaid Services. They did not do so, and have not done so which implies they are billing some 600 % above the authorized billing amount. I have made a payment based on the lesser service actually provided and documented. ARS has not stated whether they purchased this alleged debt or whether they are merely " shake down '' agents who know nothing about the original billing or its dispute. 
I am disputing this debt as it is not substantiated by CMS billing code or Medicare billing amount. I am requiring ARS to submit objective evidence if they have purchased this alledged debt and the actual amount they paid for that alleged debt. If they have not purchased this debt and can not produce the actual CMS billing code and amount, they are immediately to cease and desist.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

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 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
A lady called me XX/XX/2019 at XXXX saying " this is a recorded line, is XXXX XXXX there '' and I asked who was called and she said ERC . I asked what is was for and she said there was a few things in her office she would like to resolve with XXXX. I told her I am his wife and what was it that she was calling about. She then said she could only tell my husband. I told her that this was not his phone number it was mine. I gave her his phone number and she asked when the best available time to call was. I said evening. So she didn't tell me much about the company or why she was calling. It was very suspicious to me. This is the second time they have called me from 2 different numbers. First time I got a voicemail from a lady named XXXX it was on XXXX XXXX at XXXX asking for my husband and then they hung up realizing they were on voicemai. The first number they used was XXXX. The second attempt to call was from a different number ( 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 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A credit card account with Wells Fargo bank was fraudulently opened by ex-husband with Wells Fargo Bank. It did not come to my attention until years following our divorce. I made repeated efforts to have me removed from and close the account. 

In XX/XX/2017, I received an {$85.00} dollar payment from Wells Fargo for damages with reference too the unauthorized account and the accounts were removed from the credit reporting agencies. 

This week I received a letter from Wells Fargo regarding an early warning system for unauthorized accounts. In conversation regarding these accounts, it was brought to my attention that the disputed account was still opened. Further I was told, that I was still considered an active signer on the active and liable for all funds charged to the account.

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This company is illegally re-aging my account. This account is past the statue of limitation ; however, the company keeps re-aging my account. Further, this company reported me to the credit bureau before providing me with a 30 day notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
During the purchase of the home, I paid the seller to remove the existing roof and install a completely new roof per manufacturer guidelines and installation instructions based on a 20 year Labor and Material warranty. The roof was not done correctly at all. I am suing the Seller and the Roofer, but they have announced they are broke and can't fix the damages. I can't live in the home as I am allergic to the mold growing in the walls and ceilings. I can't fix the home as I can't afford to myself, because it is about XXXX worth of damages as a result of the water intrusion. So I don't know what I can do ... It is a clear breach of contract, which I shouldn't be liable to maintain the deal on the purchase of the home. It is a clear violation of the VA loan requirements because the roof doesn't prevent water intrusion to the home.

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 2019-05-23 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: AES/PHEAA
State: TX

Complaint narrative:
FedLoan Servicing is reporting to XXXX, XXXX, and XXXX  that the 8 student loan accounts XXXX were late from XX/XX/XXXX to XX/XX/XXXX. This information is inaccurate and false. I requested a forbearance due to being unemployed XXXX XXXX this was approved from XX/XX/XXXX until XX/XX/XXXX and then I requested a new unemployment deferment XX/XX/XXXX. I have attached the forbearance request I submitted as well as emails indicating my account was approved to be deferred during those periods. 

This information has caused my credit to drop exceptionally with over 6 months of late payments showing when these payments were never late. I reached out numerous times to have these accounts placed on forbearance and a manageable repayment plan directly with FedLoan Servicing. I have asked FedLoan Servicing to update these accounts with the credit bureaus and they have not done so. I have also reached out to each credit bureau XXXX, XXXX, and XXXX  to alert them of this inaccurate information and they have not updated the late payments either, they continue to state they have verified the account is correct. However, none of the bureaus have provided physical proof that this information was verified as accurate. This is not lawful or compliant and is against FCRA 605 b in regards to debt furnishers. I am requesting this negative information be removed off ALL 3 credit bureaus immediately or I will be forced to seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've sent FOUR certified letters toTranUnion over the course of SIX months, asking for proof of verification of four items on my credit report. I asked for information on HOW they verified, WHO at their agency verified this information and that if they can't provide this information to please remove this info, per the FCRA. 
In each case, they only responded that they verified ( not how, not by whom, etc ). It appears to me that they may have only contacted the creditor for verification, without providing me with documentation as to how/who verified this ( on the creditor 's part nor the CRA 's part ). 

Per the FCRA, I ask that these tradelines be removed from my credit report due the the credit reporting agency 's multiple violations of the Fair Credit Reporting Act. 

I have copies of ALL of my correspondences with the CRAs ( including certified confirmation of receipt of my correspondences by the CRAs ).

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 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
InXX/XX/XXXX I got a loan for {$800.00} from Ace Cash Express and fell on hard times and was unable to pay it back immediately. XX/XX/XXXX i received a call from who identified themselves as part of the XXXX County Court Clerk stating I was being sued for an unpaid debt and that I had been served twice at an address i no longer live at. I explained that i do not live there and have not been notified. He gave me a phone number to an attorney 's office where he said I would need to speak to my attorney to resolve the issue. I called the number and asked for some information and stated I would like to verify the legitimacy since I have been scammed before and she stated that she isnt playing these games and that i need to pay 60 % today and my debt can be wiped clean and i wont have to go to court or else it will be on all background checks that are done and then hung up on me. I called the county clerk office back and spoke to a woman who looked my information up and stated that the county clerk office does not call anyone and that I did not have any open cases or judgements against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: TX

Complaint narrative:
I am waiting proof that the Bankruptcy listed on my report is mine. i have not received letters, paperwork or anything with my signature on it. i have not received any type of verification letter from the courts verifying or validation that the bankruptcy is mine. i have not received any copies as to how this debt was verified. I have asked on more than one date for copies.

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 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX offered me a 12-month repayment plan through my servicer, Seterus, so that I could get current on my payments. 

I made the XX/XX/XXXX and XX/XX/XXXX payments as scheduled but then, at the end of XX/XX/XXXX, I learned that my mortgage was being transferred to a new servicer, Mr Cooper.

As early as XX/XX/XXXX, I had submitted inquiries to Seterus regarding what I saw as an inaccuracy in the calculated monthly payments which bundled XX/XX/XXXX as a 'delinquent ' amount into the repayment amount spread out of 12 months on top of the base mortgage. 
The problem, as I saw it, is that XX/XX/XXXX was not delinquent when this was calculated in XX/XX/XXXX. 

When Mr Cooper took over my mortgage servicing in XX/XX/XXXX, I reached out to them at the beginning of the month for instruction on how to keep paying my monthly repayment plan. They told me I would have to wait until early XX/XX/XXXX to receive instruction. So, for XX/XX/XXXX I was unable to make a payment.

Then, in XX/XX/XXXX, I was able to set up an online account and make the next payment. 

On XX/XX/XXXX, I sent an email to Mr Cooper 's research department stating that I wished to pursue the issue of the inaccuracy on my repayment amount. To date, they have not responded to this request. 

This week, I received a letter from them ( dated XX/XX/XXXX ) stating that I had not made any payments towards my repayment plan so they were replacing this offer with their own trial modification offer. This letter is completely inaccurate. Since XX/XX/XXXX, I have made 3 payments towards my plan. The only reason I didn't make a payment in XX/XX/XXXX is because Mr Cooper advised me to wait while they processed my files. 

When I attempted to make a payment this month, I found that they had replaced my 12 month repayment amount with their own trial modification amount. 

I do not wish to take their trial modification. I wish to continue with my 12 month repayment plan and have made best efforts to do so since my loan was transferred to Mr Cooper.

I have written them an extensive letter which I will upload, along with this complaint, that contains a detailed timeline of my communications both with Seterus and Mr Cooper.

The desired outcomes of this complaint are # 1 -to have Mr Cooper correct its information regarding how much I have already paid toward my repayment plan # 2 - to look into my concern that the monthly repayment amount, because of the way it was implemented by Seterus , is actually too high and # 3- to let me continue making payments on the 12 month repayment plan worked out with XXXX XXXX last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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:
I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and 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 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I previously filed a complaint against American Express several months ago due to the charges of a dispute. Complaint ID XXXX. You might want to look it up. They sent you a letter saying the charges would be removed. It is now 3 months and 6 total letters from American Express over the past 9 months saying the dispute has been resolved in my favor and a refund does not appear on my statement. Can I file criminal charges against American Express due to their lack of accountability and fraud. Why? Nothing has been done by them or your organization.. Another useless government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am trying to have the PMI removed from my 30 fixed rate mortgage. When I called about this about 1.5 years ago I was told that Loan Care would have to have an independent Appraisal done. The cost would be about {$400.00}. I was not sure if my home would appraise for the required amount to meet the LTV. I was told LTV needs to be 78 % or less. I decided to wait. 
On XX/XX/XXXX I got a Real Property Notice of Valuation from the county Assessor stating that my property value had gone up. When I checked the numbers my property value had gone up enough to meet the LTV of 78 % or less. I decided to try again to have the PMI removed from my loan. 
I called and was told to submit an email request to XXXX which I did on XX/XX/XXXX. I got an email response the next day. The response said I should hear something back in 5 business days. I got no response. I decided to call Loan Care XX/XX/XXXX to see what was going on. I called and asked about having my PMI removed. I was told that I need to submit another email request asking for a home appraisal and that I would cost {$910.00} dollars. This is more than double the cost from the first time I called. I feel like Im being robbed. So, no one at Loan Care bothered to tell me this until I called even though I asked for any information about the process in my initial email. 
Ive have owned another house and was not charged anything to have the PMI removed. 
The fact that Loan Care will not accept the county Assessors appraisal seems like a totally unfair and unethical business practice to me. The fact that they more than doubled the cost of their appraisal also seems totally unfair to me. It seems like robbery. 
I want Loan Care to accept the county assessors appraisal and not charge me anything. I have great credit. I have always paid my mortgage on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: RI

Complaint narrative:
checked my credit report and seen some inquiries i did not authorize and would like them removed. 
XXXX 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX, XXXX 10 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX equifax 1 ) XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation