vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home  Mortgage has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,    2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from   Wells Fargo site about my principal balance.
I hope im not apart of Wells Fargo   discriminated against  XXXX    XXXX  . Because this really make no sense to me as to why  Wells Fargo is   reporting incorrect balance to make my  credit score  go down.

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 2017-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
I currently carry a large balance, over {$13000.00}, on  a US Bank consumer credit card which I h ave had in good standing since  XXXX . Most of the balance owed is on cash advances, which I took in  XXXX  to help fund a business startup. Since  XXXX , m y FICO credit score , which I track meticulously, has increased by more than  XXXX  points and is currently near  XXXX . Despite this, and despite my other credit card companies having lowered my Variable APR significa ntly, US Bank  is charging me 22.74 % on purchases and 24.74 % on cash advances. When I contacted cardmember services to ask if the bank could lower my rate, given the positive change in my credit and length of time I have had the card ( and never once had a 30 day late payment in over 13 years ), I was told by a supervisor,  XXXX , that my APR has been frozen at 22.74 %. What was especially troubling, is that another customer service rep  at US Bank me ntioned earlier in the same phone call that there was an offer to lower my rate on my existing credit card to 19.99 %, told me that I was eligible for it, then retracted and said my APR was frozen at 22.74 %, so the offer would not apply. When I asked for the reason for my APR being frozen at such a high rate, the supervisor said I was sent a letter as to the reason  one ye ar ago ( which I did not recall receiving ). When I asked if he could retrieve a copy of it, he said he could not. He also offered no explanation as to why my APR has been frozen at such a high interest rate, and why it can not be adjusted downward to a lower rate based on my good credit. Meanwhile, as you can see i n the US Bank  Credit Card statements I have attached, the total interest I am being charged is going up each month, even as I pay the balance down.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On   XX/XX/XXXX   I noticed on my Experian credit report an old account with  XXXX   XXXX  for an auto lease opened in   XX/XX/XXXX   was still reporting as " currently paying '' when the lease was completed and paid in full on   XX/XX/XXXX  . I called   XXXX   on   XX/XX/XXXX   to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in   XX/XX/XXXX   has passed.  XXXX   XXXX  also, from the  XXXX  dispute, updated this account on Experian. On   XX/XX/XXXX  , I noticed on my Experian report no payment history and it listed I had a recent payment of {$550.00}. I paid and fulfilled my lease and this account was closed 8 years ago, so there could be no recent payment nor any credit history since  XX/XX/XXXX . Any help you can provide with this is greatly appreciated.Thank 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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX   XXXX  retaliated on  XX/XX/XXXX  after a complaint had been filed and   XXXX   allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in  XX/XX/XXXX ,  XX/XX/XXXX . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone.  XXXX  has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a  XXXX  times with different amounts when the aggregate of that account should have been used once.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX retaliated on XX/XX/XXXX after a complaint had been filed and XXXX  allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in XX/XX/XXXX, XX/XX/XXXX. The debtor XXXX XXXX is pursuing me out of spite and malice.If I could have afforded to pay the XXXX bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that XXXX XXXX XXXX XXXX should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. XXXX has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a dozen times with different amounts when the aggregate of that account should have been used once.

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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Application for loan modification was resubmitted for my on  XX/XX/XXXX  since my financial situation changed and those factors were not considered in the review of application denied in  XX/XX/XXXX . On  XX/XX/XXXX  additional supporting documentation was provided t o Fay Servicing via email per request of accnt manager. O n  XX/XX/XXXX  the account manager ( or SPOC ) advised case had been marked complete and was being handled by underwriting as of  XX/XX/XXXX .     On  XX/XX/XXXX  I received a letter requesting  P & L for co ntributors since they could not provide paystubs for their income. The documents requested were sent by  XX/XX/XXXX  pe r Fay Servicings reque st. On a phone call made to the servicer on  XX/XX/XXXX  we were informed the underwriting department requested an update d  XXXX  claimin g the IRS had rejected the one we had submitted. I did not receive a letter or phone call with this request. An upd ated  XXXX  for m was emailed to servicer per request.   On a phone call to the SPOC on  XX/XX/XXXX   XXXX   XXXX  informed the underwriting department had received the form emailed  XX/XX/XXXX  and that my file was complete. He promised to follow up with a phone call within a week.   On  XX/XX/XXXX  I had not heard from servicer and had not received any letters indicating outcome or requesting documentation. Voicemail was left for SPOC to return phone call with update on this case.      XXXX  SPOC (  XXXX   XXXX   )  explained that underwriting department had been handling my case since  XX/XX/XXXX . However, since 90 days have passed since that department received the file and a decision hadnt been made, updated application and documentation needs to be re-submitted for their review.     The  SPOC  further explained that the reason why a decision hadnt been made on the case is because the underwriter department is overloaded with work since I am not heir only client, and has not been able to review the documentation provided on time, therefore documentation submitted in  XX/XX/XXXX  has now expired . SPOC gav e as an additional reason for delay on the decision the fact that I had not responded to requests immediately, or did not submit a complete application when prompted. I submitted all documentation as requested by the deadline p rovided by Fay Servicing, and Fay Servicing  has acknowledged the receipt of the documents by such deadline. Further, the fact that this case was submitted to the underwriting department in  XX/XX/XXXX  shows tha t Fay Servicing had consid ered my Application for Assistance as complete and subsequently transferred the file to the underwriting department for a prompt decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Approximat ely five yea rs a go   XXXX   XXXX   sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a  nightmare ever since. Every year they raise my payment twice. Last  one with a note that by law they can hold up to two  times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didnt know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they   XXXX   XXXX  . I didnt have that kind of money just laying around to send them so they charged me a late charge for thei r   XXXX   XXXX  . Th ey have not paid my insurance in a timely matter and I received several notices of cancelation. Every month its is something with them. Mind you I have never had a late payment in the  twenty five yea rs I have had this mortgage.     Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didnt pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase {$62.00} in   XX/XX/XXXX   and I thought it was  XX/XX/XXXX . I paid my usual payment in  XX/XX/XXXX . T hen came the harassing phone calls. I explained it was an honest mistake on my part and would include the {$62.00} dollars in my next payment. They were having nothing to do with. Even though they had my {$1100.00} they would not post it because of the {$62.00} shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have {$4700.00} of my money they payoff is {$3300.00} which means they owe me {$1400.00}. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over {$62.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: EQUIFAX, INC.
State: OR

Complaint narrative:
X/2016    ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE.    XXXX    and Equifax refused to freeze my credit per OREGON  LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   XXXX ,  1. ) Filed a false claims on my credit report. and 2.  )  XXXX   XXXX   XXXX   XXXX , did n't respond to by letter dated  XXXX / XXXX /   17  received by  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /   17  disputing these bogus claims dated  XXXX / XXXX / 17 .

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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
The issue I have been dealing with involves my escrow account and what I am paying into it. I have been paying into this account since  XX/XX/XXXX . When I took on my mortgage I had to file homestead and mortgage exemption ; once property taxes where due in  XX/XX/XXXX  the amount due was adjusted.  XX/XX/XXXX  Taxes have been paid and I have well over the amount in my escrow to pay HOI premium and  XX/XX/XXXX  taxes. My mortgage company will not re-adjust the amount I owe each month to put into my escrow account. Now they plan on taking over {$1300.00} of my money and holding in an account that will not be used for anything. Taking and holding the money until the end of the year, then producing a refund is counter-productive. I totally understand taking out the appropriate amount each month for  XX/XX/XXXX  taxes and HOI bills, but the amount that is being taken out now is excessive. I feel that my rights and finances are being taken advantage of. I have attached my most recent mortgage statement with the date  XX/XX/XXXX  Taxes were paid and current escrow balance ( that covers HOI and  XX/XX/XXXX   tax bill ) , my HOI  XX/XX/XXXX  page with the amount of my yearly premium, and my State Tax bill that has  XX/XX/XXXX  (  spring  ) and  XX/XX/XXXX   (   fall  ) amounts listed.

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 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XXXX XXXX, 2017 I was contacted by IMC on my work phone ( which was never provided to them ) and I promptly told them to not contact me at work. The man that called refused to get off the phone, told me he could call me at work because I do not answer my private phone. This is because I have blocked the number because they have received payment for this debt several years ago and I am still contacted by them despite the fact that I have resolved the problem and told them as such. To date the company has never proved the debt or mailed me the requested documentation when I paid it at least 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: SC

Complaint narrative:
In  XX/XX/XXXX    we notified  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  that we were moving and they scheduled to pick up their trash can. We moved to   XXXX   XXXX   and  XXXX  failed to pick up the trash container.  XXXX  then billed us for the container {$70.00}. We contacted  XXXX  and they filed a lost/stolen container report and assured us they would not collect any further. A couple months later, we received another bill for {$70.00}. We contacted  XXXX  and they filed another lost/stolen container report. They then turned the account over to Collections. The  Collection Service will not cancel the debt as they claim it is valid. The Collection Company is Coast To Coast Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Genesis Financial & Payment Systems Holdings, LLC
State: UT

Complaint narrative:
this company has been taking money from me for many years and the balance never decreases, i feel they are illegally garnishing my wages as i have never went to court on this issue nor have they obtained judgement, they are in another state then i reside, please help resolve the practices that i feel are illegal and causing me hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: OR

Complaint narrative:
XXXX  2016  ID theft occurred. Submitted required forms to all   XXXX   credit agencies via USPS.   Only   XXXX   applied the requested  CREDIT FREEZE . Experian and   XXXX    refused to freeze my credit per OREGON LAW.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contained  XXXX , specifically  XXXX   XXXX ,  XXXX  XXXX  XXXX ,  XXXX . I reported a discrepancy on my credit report. Not only did they NOT respond in  thirty ( 30 ) da ys, they have refused to delete the item even though   XXXX   and  XXXX   XXXX  BOTH deleted the item ... a bankruptcy.     They are to delete the item immediately or I will sue them. THEY HAD  THIRTY  DAYS AND DID NOT RESPOND. EVERYTHING WAS SENT CERTIFIED AND I HAVE COPIES OF ALL INCLUDING BUT NOT LIMITED TO THE CONFIRMATION THEY RECEIVED THE DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On  XX/XX/XXXX  I had obtained a business loan from First National Bank of Pennsylvania.  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  for  XXXX . I had fallen behind in  XXXX  of  XXXX , In  XXXX  I had caught  all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Texas  XXXX . I did not find this sale out until  XXXX   XXXX   XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a  XXXX   XXXX   XXXX  from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX , A   XXXX   XXXX    serviced the loan Providing false payoffs & he did not relea se  XXXX  filing until   XXXX   XXXX   and have not returned ou  r  XXXX  truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney  XXXX   XXXX   Made false ma de damaging accusations to our new financial institution to extort us for additional funds.  XXXX  replied to our attorneys request for titles and stated first national bank had lost them and all  XXXX   XXXX   XXXX   XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early.     With respect to the titles,  XXXX  never had original vehicle titles, FNB misplaced them and all  XXXX  has is copies of the titles. There are costs associated with title replacements and as far as  XXXX  is concerned, tha t is   XXXX   XXXX   expens e if they want the paper titles.      XXXX   XXXX   XXXX ,  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Phone :  XXXX  | Fax :  XXXX   vCard | Bio |  Website

Company response to consumer: Closed with explanation