vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation
State: MN

Complaint narrative:
I applied and received a loan from Avant on XX/XX/2015 for the principal amount of {$9000.00}. 

During the course of the loan, I failed to make payments for nearly a year. Afterwards, I brought the account current, and have kept the loan current for the past 14 months. I have paid all additional interest, late fees and other charges as outlined in the agreement.

for the past 8 months I have been requesting an updated amortization table that outlines the additional interest I will be paying due to my late payments, the total cost of the loan and the last payment date.

Initially, Avant responded with an " updated '' schedule. After review I found it to be incorrect, and it was blatantly obvious they filled in random amounts. I responded asking them to fix it - to which they replied, some time later, with the same table, which was still incorrect. 

More time went by and a new representative provided me with a new table, but it was still incorrect! As 3 or so months had gone by at this point I demanded to be provided with the information of my loan in its current status. For all I know, they are charging me unlawful interest, penalties, etc that I would never know about! After reviewing payments in their online system, the payments over the last 14 months or so have been 100 % interest, and not a penny has gone to principal. How am I supposed to know where my payments are going if they can't provide this information? 

Finally, another 3 months had passed without any contact from them, despite me emailing constantly asking for a resolution. Yesterday, they responded saying that they are unable to provide this information to me - how can that be legal?!? 

I am attaching all emails, and documents they have provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Starting in XX/XX/XXXX Wells Fargo started sending me statements in the mail for a credit card I had paid off and closed on XX/XX/XXXX. These statements showed a credit limit of {$4300.00} but I had no credit card nor any access to this account. The statement showed I owed them over {$2000.00}. And without my permission they began taking the amount of {$46.00} per month out of my checking account at a different bank. When I called them about this they gave me information to access my old credit card account online but I was unable to access this account online. I called several times to explain this account was paid off and closed and to stop but Wells Fargo never complied with my requests. I continued to let them remove the payments from my account so my credit score would not be affected.

In XX/XX/XXXX I changed banks and now Wells Fargo is demanding payment for an account that was paid off on XX/XX/XXXX and showing me as late on my credit report. What they are doing is fraud. On my credit report it shows this credit card account was opened onXX/XX/XXXX and closed on XX/XX/XXXX. I have written a letter to Wells Fargo with a copy of the credit report and letting them know I have contacted the Consumer Finance as well.

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 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint. Complaint # XXXX about WELLS FARGO CARD SERVICES. Wells Fargo had charged my mother, an XXXX year old woman with XXXX XXXX XXXX   for services like Life Insurance that would pay off her credit card balance when she passed away ; two accidental death insurances, and a Preferred membership program for discounts to concerts and such [ REALLY! What is an XXXX  year old going to do with this? ]. Wells Fargo then raised my mother 's interest rate to 18.35 % and continued to charge her from XX/XX/XXXX to XX/XX/XXXX, all the while the balance went from around {$2800.00} to over {$8000.00}. Then they cancelled the Life Insurance that would pay off the credit card when she passed away. I sent Wells Fargo my Power of Attorney and made many phone calls. Wells Fargo stated they did not have the Power of Attorney and would not speak to me. I went to lawyers who stated there was nothing I could do. I went to the Office of the Controller of Currency ( OCC ) who told me to contact the CFPB. Finally, I found someone who helped me. I filed a formal complaint and Wells Fargo responded. They sent a letter stating they have had my Power of Attorney since XX/XX/XXXX. They also removed most of the Life Insurance charges and the preferred membership charges. The bill was brought down to {$1100.00}.

My current complaint is # 1Wells Fargo was asked to remove those services but are continuing to bill for them. My sister made a payment of {$200.00} on the balance of {$1100.00} and the balance is now {$1100.00}. When I called Wells Fargo to find out about the charges and why only {$10.00} was put toward the bill ( where did the other {$190.00} go? ) the Wells Fargo phone rep stated that was interest and there were charges put on but then they were taken off. But why then is the balance {$1100.00}?

# 2 When Wells Fargo removed the charges for services over ten years, they kept the interest they charged for those bogus services for all ten years. WHY? Shouldn't the interest have been refunded as well?

I am grateful for what you have done for me at CFPB. Can you please investigate Wells Fargo and ask them to return my mother 's interest?

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 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My home mortgage has been serviced by Loan Depot, and I was paying each month by automatic bank transfer.

Yesterday ( XX/XX/XXXX ) I received a mortgage statement in the mail from a new company, XXXX XXXX XXXX, indicating that I was already late on a payment. It seems that Loan Depot sold them my mortgage without my notification. Calling Loan Depot, I found that they had sold my loan only 15 days before the new mortgage was due at XXXX XXXX XXXX.

Upon further investigation, I found that Loan Depot had cancelled my automatic payment without my prior knowledge or authorization. As a result, I am delinquent on 1 month of mortgage payment without any fault of my own.

I have the following complaints : 1. Loan Depot canceled my automatic bill payment without notifying me, thus making me delinquent on a payment without my knowledge.

2. Loan Depot sold my mortgage without providing 30 days notice of the effective date of transfer. ( From my discussion with XXXX, a Loan Depot representative, their records indicate only 15 days notice, occurring XX/XX/XXXX ) 3. Loan Depot did not inform me of this change, as I did not receive a notification letter.

4. Loan Depot has an automatic phone system that will not allow me to call them to speak to a representative. The system recognizes my phone number, informs me that the account has been transferred, and hangs up. In order to speak to them, I had to use someone else 's telephone. This is just one example of extremely negligent customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report an Illinois Child Support item to my report that is not correct at all. It is paid in full and has never been late ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: FL

Complaint narrative:
The other credit bureaus like XXXX and XXXX have removed my Bankruptcy that was reported back in XX/XX/2010, However Equifax will not remove my Bankruptcy have several request to do so. It should be remove. They will not provide me any type of date when this will be removed. I am tired of dealing with them and this is still on my report after 8 years is still hurting me. Trying to get a home etc. I am still living in apartment because of this. If the other follow the same guidelines then i believe Equifax should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Victim of fraud. The person committing the fraud was charged, and found guilty. Even with nearly 200 documents of police reports, and evidence showing I was the victim of fraud, the creditor is still unable to relieve of the responsibility of the debt.

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 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted Citibank to file a dispute on charges debited from my account by XXXX XXXX in XXXX, Florida. I conducted business with this company over the telephone for credit repair services. The company did not do anything to repair my credit, more than 90 days passed from the time I paid the company and nothing was done on their behalf to assist me with the credit repair services they promised. I contacted Citibank on XX/XX/XXXX and filed a dispute for the charge of {$300.00} debited from my account on XX/XX/XXXX and for {$500.00} debited on XX/XX/XXXX. I reached out to XXXX XXXX and the individual I spoke to told me they were not going to refund my money even though they have not provided the services they promised for {$800.00}. I decided to contact my bank fro assistance. Citibank denied my claim on XX/XX/XXXX based on the fact that the information I provided was not enough to support my claim. I did business over the phone with this scammers that fraudulently stole my hard earn money. I did business over the phone with the company off course I do not have anything from them to show to Citibank, I never signed any documents with this company, I provided my information to them in good faith that they will deliver on their promise to assist me with credit repair in turn I get robed for my hard earned money and Citibank allows that to happen I am their client. They are not taking care of my claim as a consumer.

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 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Date of service XXXX15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this.

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief.

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Submitted dispute with Trasunion XX/XX/XXXX regarding XXXX XXXX XXXX. 
Investigation or responses never done within 30 days.

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 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: IL

Complaint narrative:
A Company Name TEK COLLECT Has An Derogatory Mark On My Credit And I'm Looking To Have It Removed. The Date Reported Is XX/XX/2018 In The Amount Of {$480.00} - It States Its From A Bank Institute with The Age Of 2 yrs And 7 months with Highest balance {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to deposite some money into the CITI bank account, but account is blocked for some reason and there is a fee charged related to it, which is ok to me. But customer service has a very bad attitude and didn't give good resolution about this. I called twice but the answers to solve this questions are different. And one customer service hang up the phone when I was asking a question.

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 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Date of service XX/XX/15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this. 

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief. 

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I applied for a loan from ONE MAIN FINANCIAL in XXXX 2018 ; and was denied. ONE MAIN alleged I was denied because of information on my credit report. My credit report did not reflect any adverse credit information.

So, I wrote to ONE MAIN and requested that they provide me with a letter stating why I was denied a loan. Pursuant to Title 15, Sec.1693 ONE MAIN had a duty to answer me within thirty ( 30 ) days. ONE MAIN failed to state to me in writing a legitimate reason for turning me down for a loan. ONE MAIN is liable for damages under Titile 15, Sec. 1691 ( e ), & ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was notified by BARCLAYS BANK DELAWARE of late payment. I told them I have not order any movie or such service. I was told they will investigate and credit my account. But every time I run my credit it show up. I called several times to have it credited and removed from my record. I was told the quickest way will be to cancel my card which I did but up till now it's still showing and affecting my credit. I have be communicating with them for 3 years now about this and they keep telling me it will be taking off but they don't do anything. 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 monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
Letter was mailed XX/XX/XXXX and XX/XX/XXXX regarding need for validation of debt. No response Received bill for collection XX/XX/XXXX Bills were paid with original creditor who cashed check and accepted pay to delete. The bill is not mine and another person was responsible for debt. I still tried to resolve matter.

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 2018-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an collection from XXXX XXXX had been put on my credit report with a pass due amount {$1300.00}. i reached out to the XXXX XXXX via certified mail about debt owed and got no response.

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