vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is   XXXX   XXXX   XXXX   a Private Banker and I have a mortgage with  Wells Fargo Home mortgage . I sent a certified Bank Note for Payoff which is a security instrument to pay off my loan the bank has accepted my security instrument because it was never sent back to me. but i get a form letter back with a bunch of paid statements and a copy of a deed of trust to validate the debt. I was very specific on what i needed the Bank to do.   also the security instrument was set up correctly according to  (   UNCITRAL convention )  and  U.S. B anking laws I do have deep concerns, what can be done about this.

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 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I am with  Fay Servicing  and I was sick with  XXXX  and fell behind   XXXX   months. I was paying  XXXX  month at a time and then when I saved enough to pay  XXXX  months they send me an Act  XXXX  when I was not even   XXXX    days past due. I applied for a modification and was denied because the investor stated I had a modification in   XXXX   XXXX   at which time they raised my interest to 6 %. I am filing an appeal but I understand that I should not have received the Act  XXXX  until I was   XXXX   days delinquent according to your   XXXX   XXXX   XXXX    XXXX  day rule in PA. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Several years ago I requested a Chase  XXXX   XXXX  Credit Card  XXXX  I thought we would be travelling on  XXXX  and liked some of the incentives offered. I received the card, and never used it. The travel on  XXXX  was decided against so I used other cards. I believe the annual fee of {$95.00} was waived the first year. I paid it the second with the intention of cancelling the card. I let it go, and on  XXXX   XXXX ,   XXXX   was assessed the {$95.00} fee. I carry no balance on this card so I do n't check it as regularly as I should, but when I did check,  XXXX   XXXX ,   XXXX  , I spoke with a customer service representative who told me she would refund the {$95.00}. I asked her to close the account and thought I was done with the  XXXX  card. I checked again yesterday. My account was closed, with the {$95.00} annual fee still there, as well as a {$15.00} late fee and {$1.00} in interest. I called customer service and was told it was impossible to waive the annual fee, but now I am being charged for a service that I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Systematic National Collection, Inc.
State: NY

Complaint narrative:
This was communicated to the company after  XXXX    XXXX   via phone. I do n't have written complaints because I was focused on taking care of my ailing parents. The nature of the communication is as follows.     I cant tell you how excited I was to join your program. I was devastated by the harassment I have received after I communicated that I could no longer continue with the program because my father was gravely ill and expenses had to be redirected to his care. He has since passed away yet I continue to be harassed even stalked by constant calls and letters. Sadly whatever you can do to my  credit score  has already been done and in the spirit of your program  XXXX   XXXX   XXXX   XXXX  this is a complete betrayal and borders on fraud. I assume I am not the only one who has been contacted in this manner.     I will continue to reach out to agencies like Consumer Financial Protection Bureau for remedies against your company. Shame on 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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XXXX of XXXX, I became separated from my wife. She returned to the household without permission in XXXX and my daughter and I moved out in XXXX. I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in XXXX and XXXX. The letters were sent out and postmarked before the end of the month, but XXXX marked them as 30 days late because their processing was a few days after the end of the month. <P/>XXXX has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily. <P/>I have included the XXXX payment that was accepted on the XXXX and not marked late. I have included my letter to XXXX. When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period. My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at XXXX to discuss. <P/><P/>Thanks for your help, 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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In  XXXX  of  2016 , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  Ocwen ma rked them as 30 days late because their processing was a few days after the end of the month.     Ocwen has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to Ocwen.   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.   My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: MD

Complaint narrative:
In  XXXX   XXXX  I purchased a  XXXX   XXXX   XXXX . In  XXXX   XXXX  the car was repossessed for delinquent payments. I paid {$980.00} to recover the vehicle and deferred the current payment (  XXXX   XXXX   )  to remain in a good standing making  XXXX   XXXX  the next payment due. A month later in  XXXX   XXXX  the car was repossessed and was not behind in any way shape or form. 3 days after the car was repoed  Westlake Financial r eleased the vehicle at no expense to me. I later filed complaints with the cpfb and for a few months  WF  responded. I have n't heard anything in months from them, On  XXXX   XXXX  WF repossessed and I was forced to file Bankruptcy ch.  XXXX  to recover the vehicle. WF are very unprofessional rude and just out right nasty. I have had only one rep to show some type of compassion or customer towards the situation. I am currently still trying to recover the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yesterday, I received a letter from  XXXX  XXXX  XXXX  with an address for Chase-  XXXX    XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  with a request to send proof of tax payment before  XXXX   XXXX ,    2017  or to fax  XXXX . They claim that as of  XXXX   XXXX ,  2017 , there are outstanding taxes for the property.   I called  Chase  customer service this morning and the customer service representative verified that we do NOT have an escrow account with  Chase  and then added the tax  specialist  to the telephone call. The tax specialist said the letter was a courtesy letter so  the   county  would NOT take our property for unpaid taxes. I verified on-line in public records that the taxes had been paid and the date paid is before  XXXX   XXXX ,  2017 .   I also went to the tax collector 's office and got a receipt yesterday afternoon.   The tax  specialist  did NOT answer any of my questions. The telephone call was NOT recorded in its entirety, the beep of recording began after I asked the tax specialist who sent the letter and would I receive another letter with resolution of the information in this letter.   I 'm angry, because for a courtesy letter, it said that they did not receive a response from us by  XXXX   XXXX ,  2017 , Chase would pay all outstanding taxes and penalties and interest for the property. We may also establish an escrow account to pay future taxes, which will cause your monthly mortgage payments to increase.   Important  Legal  Information This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, to the extent your original obligation was  discharged  or is subject to an automatic stay of bankruptcy under Title  11  of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter  ( including our use of the words " your, '' " loan, '' " mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.     If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.    XXXX   XXXX   Order  :  XXXX  Please help us to resolve this issue.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been on   XXXX   XXXX   from my employment since  XXXX    XXXX  . I requested a  XXXX  from Navient, which I was granted. Today, I received a call stating I can no longer qualify for   XXXX    although I am still on   XXXX   XXXX  . I informed them that I could have my doctor fill out any paperwork they need to have but the customer service rep asked how are my other bills getting paid. Who is paying my bills, how am I eating or living every day. I told her family and friends were helping me. She then went on to say that was income. I asked for a manager. The manager came on line to say the exact same thing. I tried to explain that my family and friends income has nothing to do with my income, but the  manager  became very aggressive stating it is not there issues that I am on   XXXX   XXXX  . At what point, I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied for an FHA mortgage with Quicken Loans agent XXXX XXXX and was pre approved signed a contract for a 30yr mortgage onXX/XX/XXXX. His mortgage license number is XXXX. None of my credit score or financial information has changed in the past few days but Quicken Loans changed their offer to a 15yr mortgage todayXX/XX/XXXX and claim that is the only way to finance the home. This is a bait and switch which is a violation of consumer laws. I would greatly appreciate your assistance in fully investigating their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C.
State: TX

Complaint narrative:
A collection company XXXX Harris & Harris XXXX put a garnishment on my salary for a {$90.00} account that was already paid, But the collection company got a garnishment for {$1700.00} and does not want to give back the money they took over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
XXXX   XXXX   I was out of town and friend of mine got a ticket in  XXXX  for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management,  LLC  in  XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on   XXXX   @  XXXX  for citation #  XXXX  according to the receipt I got in email from  XXXX  XXXX  XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and  XXXX  of the  XXXX  agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in  XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the  XXX  but I 'm taking this all the way to the top. Either they have shady business practices or their  XXXX  Agents are stealing money from the company. I am not the only person with this issue. I looked at their  XXXX  page and it says they have " A+ '' rating but there was a complaint similar to mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have a checking account and HELOC at  PNC  Bank. I deposited a check for {$45000.00} on Friday  XX/XXX  On Monday  XX/XX , the money posted to my checking account. On   XXXX  , I made an online transfer from my checking account to the HELOC. On  XX/XX , the PNC website showed that the money had posted to the HELOC. So, I made a {$9300.00} payment to the  XXX . PNC rejected the payment due to NSF! Now, I will be fined by the  XXX  for a rejected payment. PNC refused to acknowledge that this was their error. They claim that they are allowed to place an automatic one-day hold on internal transfers between their own accounts! This is a misrepresentation on their part since their website showed that the funds were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Fees and charges got to be just out of hand could n't keep up paying it now my {$590.00} bill is $  XXXX  the rest is interest and fees.

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 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A company called  Credence Resource Management  is incorrectly reporting a debt of {$740.00} on my credit report.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit. The account number they are reporting on my credit is : "  XXXX  ''.     This is not the only company who is doing this. Another collection company under the name "  XXXX   XXXX  '' is also reporting the same exact {$740.00} debt on my credit with a different account number.     It seems these  XXXX  companies are trying to service an account with  XXXX   XXXX  but I do n't even use  XXXX   XXXX . Is n't it illegal for  XXXX  different collection companies to try and collect on the same debt? As proof, I am including a screenshot from a recent report which shows how  XXXX    XXXX   is ALSO reporting this to my credit.     This appears to be a scam effort by these  XXXX  companies and the information I have found online only leads me to negative reviews and harassment stories by other consumers.     I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

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 2017-05-02 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: CT

Complaint narrative:
I sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: MO

Complaint narrative:
This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.

Company response to consumer: Closed with explanation