vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
I received an XXXX XXXX dated XX/XX/XXXX ( see attachments ) saying there is {$310.00} shortage amount on my loan and that divided by 12 months, there will be an increase of {$26.00} to my monthly mortgage payment. Then I received another letter on XX/XX/XXXX ( see attachment ) showing the shortage to be {$410.00}. 
As a background, my loan originated XX/XX/XXXX and I have been paying a {$100.00} Escrow payment towards PMI. I do not currently have an impound account. Per my amortization schedule, the PMI is to remain static until I reach the 80 % debt to loan ratio. Also, as of XX/XX/XXXX my loan was transferred to a new servicer. 
I contacted the new servicer on several occasions to understand what the shortage payment is for and they weren't able to help me because they are saying they don't see any transaction history prior to XXXX. Two supervisors ( XXXX and XXXX ) requested the transaction history from the old servicer and haven't received the document. They are claiming they are just collecting this amount on behalf of the old servicer and have nothing to do with it. 
I've also been in contact with the old servicer and they are also saying they don't know why there is a shortage payment. No one is able to help me and this is my last resort to get this issue resolved. I have made my mortgage payments on time every month since the origination of my loan and I don't understand why there is a shortage payment and why I would be the one responsible for that when I pay what I owe every month. I am not in control of when and how much money goes in and out of the escrow account, and I shouldn't be punished for it. I feel I am being given the run around by both servicers. No one is able to help me and I'm reaching out to you. Please help me to resolve this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I am currently working with a debt settlement company. They advised me not to pay or contact Upgrade since I was now in their program. Since then Upgrade has called me several times since I missed 1 payment. This I understand completely and have no issue with. What I do have an issue with is them calling me at XXXX in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: CA

Complaint narrative:
I am a victim of Identity theft and it has been an absolute nightmare trying to get back on track and get my life some what back together. That said, the bureaus are not making the process any easier. I have sent them a stamped copy of my police report, a notarized statement and a fraud affidavit payment and to my dismay the fraudulent entries still remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've had to pay off several accounts in which I did not owe, just to clear my credit. Now that I have I've contacted TransUnion in reference to the information still showing on my report. Per TransUnion, the information is under dispute per my request. I asked why would I dispute something that I have paid and did not owe? The representative informed me on their side it showing different and I would have to just wait or update and pay for one of their monitoring services and then I can update my report. So, I paid for the monitoring service only to learn this is something TransUnion must do in which again, I'm being told to just wait.

I am asking for help getting the items removed from my report and an update credit Score as well as Repo.

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card, Capital One, hiked interest rates beyond my possibilities because I may have missed a payment ; same with XXXX credit card that finance my home air conditioner.gap insurance reneged payment and capital one is after me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: PA

Complaint narrative:
Equifax continues to publish fraudulent information on my credit report regarding fraudulent closed accounts. These closed accounts are fraud and I have a FTC report and police report on file. Equifax will not delete these closed accounts listed below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/XXXX purchased flight ticket for {$2100.00}. The card is in my wife 's name, I am on the account. XX/XX/XXXX, XXXX  discovered a XXXX XXXX, XXXX and advised I not travel. Filed reimbursement claim with credit card company per their Trip Cancellation/Interruption Benefit. I supplied all documents requested and for the next 3 months continued to supply just one more document for 6 different requests. Such as, proof of purchase with their card, proof of purchase with their travel service, proof of no claim to airline, proof ticket had no value, proof of tax refund from airline all these requests interspersed with phone calls from me. Finally XX/XX/XXXX I received a check for {$100.00}. I called them and amazingly the first person I talked to examined the file and agreed a mistake had been made and they owed me more money. He would call me back that afternoon. He didn't. 5 weeks go by with me calling them each week asking the status. Finally they told me they were just a 3rd party and couldn't pay until the credit card company agreed and that they had sent them an email asking for resolution of the error. On the last call, XX/XX/XXXX, they claimed they still had not gotten an answer to their email and I suggested they pick up the telephone and call them. The lady said she would have me an answer by the close of business on XX/XX/XXXX and would call me, I verified they had my phone number ... she didn't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit file to find several mistakes I tried to dispute the items vis experian however they would not allow me to dispute stating the items were verified in prior disputes ... .The items in question are below and the attachment confirm my case Bankruptcy listed on file previously disputed experian sent letter stating they verified with XXXX XXXX courts letter attached from courts stating they did not and do not verify this information also the law states that public record information must updated every 90 days in this case the bankruptcy has not been updated within 90 days also FCRA 603 attached I did not consent orally or in writing to the nature and scope of this communication. 
XXXX XXXX XXXX is listed in report as a bankruptcy which is incirrect it also has a date opened of XX/XX/16 and an update date of XX/XX/16 how can you update and account that wasnt yet opened according to the report see attached XXXX XXXX XXXXXXXX same issue as the account above see attachment

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 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2019-03-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I attempted to release my security freeze at Experian using their website. This was impossible as there was no way to search or to navigate to such a page. Next I tried calling the Experian help line. I tried several different numbers. Each took me to an automated prompt system that did not have an option to release my security freeze or an option to allow me to speak with an agent/person. 
I finally searched the web and found an Experian page for security freeze. However, it would not allow me to " thaw '' my credit. I had to print out the page and mail in a bunch of documents to Experian in XXXX TX. I am not sure if Experian will notify me when my credit is accessible or if I will have to keep checking their website. 
Absolutely, terrible customer service. Of course, on their website they kept trying to SELL me on a XXXX XXXX as being better than a security freeze when in fact they do the same thing. What a total waste of my time. And this is the company that controls my credit score.

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 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been a victim of an internet scam through Wells Fargo online ATM ACCESS APP. On XX/XX/2019 three fraudulent ATM check deposit totaling {$800.00} was made to my account at a Wells Fargo XXXX GA branch location. 
These items was later returned and charged back to my account causing his account to go negative {$400.00}. 

However, I strongly believe that the loss/fraud could have been prevented had Wells Fargo Bank not choose to approved an EFT debit against uncollected funds.

The fact that Well Fargo placed the an extended hold through XX/XX/2019, on all three of the deposits in question, is evident that Wells Fargo was aware that the account may have been compromised or a victim of fraud.

There were numerous red flags that the account was clearly a victim of potential fraud.

( 1 ) The transactions was out of my normal account activities, ( 2 ) The  deposits was made at an XXXX GA branch location ... my account is base in California. 
( 3 ) The balance in the account at the time of the deposits.

( 4 ) The transaction type & amount.

( 5 ) No payee name on the checks.

( 6 ) I didnt signed the checks.

An extended hold is placed on an account for one reason and one reason only and that is to prevent possible fraud/loss. Had Wells Fargo complied with the extended hold as stated in the notice that was mailed to me, the EFT debit on XX/XX/XXXX should have never been approved. As my financial institution Well Fargo has failed to safeguard my account after being made aware of possible fraudulent activities being conducted out of state and has allowed my account be to further victimized. WFB also failed to comply with their own extended hold policy by approving the ETF transaction to be paid against unavailable funds. 

The hold notice clearly states that the total deposit was unavailable for withdrawals until XX/XX/2019. Theres no mentioning to the fact that an amount less than the total deposit was being held. Therefore no transactions should have be process through the account. Furthermore I did not opt into any type of overdraft program or Reg. E overdraft. 

No another note, on XX/XX/XXXX @ XXXX a Rep from Wells Fargo call my from XXXX #, being very accusatory, yelling and very unprofessional after I repeatedly told her numerous time that I did not made those deposits. Wells Fargo owes me an apology.

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 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I reported to the FTC about a Name being listed on my credit report as if it was my name, it states also known as. This name is associated with an account that was opened with XXXX XXXX XXXX  and then sold to LVNV funding, they are now reporting this name and this account on my personal credit report with XXXX, XXXX and XXXX XXXX have removed this account already, but XXXX has not and the collection agency continues to report this account as mines even though the names are similar but different. I t is affecting my ability to raise my credit and look responsible to employees and creditors, I would like it removed. The account was opened inXX/XX/XXXX for the amount of XXXX, I disputed this account back inXX/XX/XXXX andXX/XX/XXXX, I also included a statement on my credit report and file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
My history with Honda shows I have only one late payment that was paid within 30 days. 

This was a loan for my first car ( new ). Purchased in XXXX. Paid off in XXXX. 
The single late payment was in XX/XX/XXXX. 
Payments were {$310.00} minimum and I would add more to pay down principal. 
The account is closed as the loan was paid off in full. 

I believe throughout the duration of this loan we set up auto-pay so it would always pay on time. Never late. 

This single late payment is negatively impacting my credit score and lenders always mention it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
The below information is being reported to my credit report and is not correct. The company also has broken HIPPA rules by disclosing private health information to the public. I do not owe this company any money, I requested information and signed itemized invoicing to prove such amount owed. Too date nothing has been sent and adverse information is being reported to my credit report.

ADVERSE ACCOUNTS Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

RECEIVABLES MANAGEMENT PARTNERS LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$190.00} Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Past Due : {$190.00} Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has been harassing me and calling me at my job to " collect '' on payments that I have been making. They assign late fees after the fact and then call as if I have not made a payment. In the last two weeks I have received phone calls once on the XXXX of XXXX and once XXXX for a payment I have already made within the 10 day grace period of making the payment. Yet I still get a late fee for this payment. They make it impossible to call about the loan because they continue to transfer you different places. I have requested to change my payment date and they would not do it without me making a payment that forced an overdraft and still have not updated the due date to better fit when I get payed so I can avoid these issues. I was also told that a late fee would be waved but they have not waved any which further makes this cycle a problem. Statements are impossible to read/understand and they just make you feel XXXX for asking any questions so it is hard to know what is going on and what is right or wrong. I am sure they are taking advantage of me and harassing me at my job and I feel like I have no way to stop it. They are an awful company.

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 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
Received a reward gift card for my birthday from my mother in law in XX/XX/XXXX. I had not attempted to use it/activate it until XX/XX/XXXX. I did not realize there was a valid through date on the card. It was only valued at {$21.00} because of expired monthly fees. I was even more shocked to find a {$15.00} to re-issue a new card with valid thru date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
In XX/XX/2018, I received a letter from Loancare stating an escrow refund check in the amount of {$720.00} was issued but never cashed. The letter asked that I confirm that the original check was lost or never received to receive a replacement. On XX/XX/2018 I signed and emailed a pdf scan of the letter to Loancare for processing. After several follow ups over the past year, I have not received my replacement check.

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