vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Search the Web Pull Down to Refresh Drafts MORTGAGE COMPLAINT XXXX to None XXXX Details I truly wish I knew what happened!! I 'm enclosing a statement of activity sent to me by XXXX and the list of my monthly payments dating back to XXXX 2014. 

I ca n't make heads or tails out of what they have concocked!! I REALLY CA N'T. SERIOUSLY!!!!! 

Resolve by Explaining these unfamiliar entries. Why are there LAWYER FEES? Why are there UNAPPLIED MORTGAGE PAYMENTS? Why are there other incidental FEES when this mortgage was paid EACH AND EVERY MONTH ON TIME AND HAS AGREED?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Collection agency did not send out any information to consumet prior to reporting on consumers credit report. Violation of FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir, lady XX/XX/XXXX my score with Experian was XXXX. 
XX/XX/XXXX Experian lower my score XXXX points to XXXX for no reason whatsoever without an explanation. 
I expected my score to be raised since I have no outstanding debts, no late payments, no inquiries since XX/XX/XXXX and just paid back in full to XXXX card the {$1900.00} used to buy airline ticket to the XX/XX/XXXX Holidays with my family in XXXX. 
My score with XXXX is XXXX as of XX/XX/XXXX. 
I want file a complaint against Experian Regards, XXXX XXXX Last XXXX digits of my Social Security : 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 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Good Morning, Back in XX/XX/XXXX, I applied for a loan Modification through American Servicing Company whom was a 3rd party to Wells Fargo and was approved, However in XX/XX/XXXX I sustained a life changing injury and while dealing with this situation it appears as though WELLS FARGO submitted a debt of cancellation to the IRS, in the amount of XXXX as this appears to be income on my end. Well due to various things going on in my life, I finally contacted Wells Fargo around XX/XX/XXXX and spoke with a Customer Service Manager name XXXX /XXXX in their California XXXXXXXXXXXX in regarding this situation. .I explained that this matter needs some kind of correspondence no later than XXXX XXXX, then the called my number on XXXX XXXX but did not leave a message, So when I returned their call the XXXX XXXX ext XXXX that they assigned this issue to was not available as a matter of fact I still have not spoken to the representative assign to this issue or his manager. It is now XX/XX/XXXX and not only have I not received any correspondence from anyone @ WELLS FARGO, But when calling XXXX and I spoke with another representative, whom attempted to tell me that XXXX XXXX had called my number on XX/XX/XXXX @ XXXX but chose not to leave a message stating that there was no voicemail on my number. Which I knew was an incorrect statement. And to add more salt to the injury, When I called XXXX they could not even locate my previous loan # in their system anymore. I am very upset about this situation due because I really feel that Wells Fargo is doing this deliberately to make my life hard.I say this because back in XX/XX/XXXX I purchased a XXXX XXXX and in the middle of my loan some how Wells Fargo was able to purchase my loan just as they did my mortgage and it was a totally nightmare. After paying them double the amount that I initially purchase the vehicle for they attempted to tell me that I still owed them an additional {$5000.00} and when I declined to give them anymore money then they refused to provide me my pink slip after collecting double the amount of the vehicle. And now they want to report an illegal amount to the IRS for a loan modification and I really feel that this is retaliation because they were not able to extort any additional funds from me in reference to the vehicle that I purchased back in XX/XX/XXXX. I want this major issue resolved through the IRS as well I am requesting assistance with obtaining my title as well for the vehicle that I purchase back in XX/XX/XXXX because I have nothing but problems with WELLS FARGO for EVERY TIME they placed their name on any loan that I have obtained. 
Sincerely, 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 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
i had trouble with nation star mortgage for over a whole year to resolve a simple issue to remove a litigation code from a file in their dept that was removed already and verified by another supervisor. they would n't give me any info on the file even though i did n't have any council assigned. now after a year i got to talk with them after the code was removed i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with niece. this doc was available in across. I downloaded the doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 weeks now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I wanted to buy an account for a PC online game. The person who ' selling ( a guy and a girl ) scammed me and deleted me from XXXX. They promised to change the mail of the given account and after I sent the money they did n't change it. I waited days and days for their reply on the email situation but then they deleted me. They can take the account back whenever they want because they have the mail. Please help me.

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has charged me again for an annual membership fee. I got a letter from XXXX XXXX who advised me I would not have this fee on my credit card. I had to cancel my card for I did not recognize a charge on my account - the credit card company took this opportunity to charge me for the annual since I had to get the new card. I am highly upset about this. They also charge me for a late payment fee when I paid the bill. The payment has not go through since I had to cancel the card. I was out of the country taking care my sick relative. It is so sad to have to come back to bogus charges. I already have too much going on. The company also rebilled me for a charged that was disputed for {$13.00}. The company claimed I received credit from the vendor but I had XXXX charges from XXXX for the same amount - I never received credit for the second. I am so upset with the credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2017 Trans union system updated my XXXX account informing me that XXXX collections with XXXX had been removed and I was reporting No collections and inquiries from XXXX sources had been removed and added right back. I contacted TU and was told they would look into this and provide a update to me after I submit PROOF of what I was seeing reported. I complied with all the required information and called to confirm all docs were received and was told yes XX/XX/2017. I have not received any information, yet the next file updated from XXXX XXXX only shows all the information was inserted back. I would like all the inquiries and reinserted collection accounts with XXXX XXXX to be deleted as they did not comply nor provide proper notification this info would be re inserted. I would like the inquiries to be removed XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed as reported on XX/XX/2017 ...

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 2017-04-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Apex Resolution Group LLC
State: KY

Complaint narrative:
Received a call from a XXXX XXXX from Apex XXXX, representing XXXX. XXXX XXXX confirmed personal information ( name, SSN ) and proceeded to offer a " payoff '' for the debt. When I informed her of the ongoing situation with XXXX ( separate complaint to be filed ), she informed me that she would be sending the account back to XXXX listed as " refusal to pay, seek legal action. '' I told XXXX XXXX that I do not agree to payment arrangements over the phone and requested that all documentation concerning the account be mailed to me. XXXX XXXX stated that they " do n't do paper mail, only electronic '' and then proceeded to try to verify my email address. She read me three different email addresses that were associated with the XXXX account ( including the one used to open it ) yet not a single one an account that I 've ever owned. When I told her this, she became defensive and told me it did not matter because they had all of my other personal information, including my driver 's license number " which no one would have had access to if the loan application was identity theft. '' The driver 's license number they have on file was not my number at the time of the loan. None of the emails I was given that are associated with the account are mine. I requested a mail copy of all the information they had associated with the account, as XXXX had always refused to do so, and was told they can not do that. 

XXXX XXXX strongly suggested I find the money for the settlement offer before the end of the month as legal action was going to be her reccomendation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inquiry made on my report by XXXX XXXX XXXX XXXX XXXX Fl. 
This record was previously deleted. It was not authorized. No wet signature authorizing this inquiry was provided.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
This fake debt collection company sent me a letter on XXXX/XXXX/2017 saying I owed {$200.00} to XXXX for account ending in XXXX. 

I am NOT the owner of the account. I called XXXX multiple times, and they confirmed they NEVER sent my account to collections. I have always paid by XXXX bill on time until I canceled my service. This fake company keeps calling me and harassing me to give personal information and telling me to pay. 

I immediately sent a letter on XXXX/XXXX/2017 demanding they validate their fake and fraudulent debt claims. They keep calling me everyday asking for my personal information. I ask what is this call about, and they say they can not tell me why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
During recent months I have noted the message on the monthly statements : " Partial payments : any partial payment s that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment the funds will then be applied to your mortgage. '' My account is current. I plan to start making additional mid-payment cycle payments to my account. When I look at this message I understand this to mean that diTech does not intend to observe my right to pre-pay my loan. I do not understand why diTech appears unable to apply mid payment cycle payments to the loan principal. If my understanding is correct, then it appears that diTech has defective accounting systems and may lack the resources to properly apply payments to loans in a timely and correct manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a credit collection letter from XXXX for {$640.00} with creditor Wells Fargo account ending in XXXX. I contacted Wells Fargo regarding the amount due for the account ending in XXXX. The representative stated that the account ending in XXXX had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor Wells Fargo for fraudulent activity on account ending in XXXX for the amount of {$450.00} reference # XXXX DATE : XX/XX/2017 @ XXXX. The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This credit collections agency is trying to collect on a made up amount.

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 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I currently bank with Wells Fargo. Back in XX/XX/XXXX I opened a credit card through the bank. This past month I realized that my credit card was being charged a monthly fee of {$31.00} for " Credit Defense XXXX ''. When I realize this I immediately went into a branch to research what the charges were for and why they were happening. I spoke to a card services representative who indicated that the service was for in the event that I would become XXXX this was insurance on the card to make the minimum payment for me. I did not enroll or consent to such a service. The bank asked for 10 days to respond to me in writing, which they did ; indicating that they had confirmed that I did not enroll in the service. " As a courtesy '' they were going to refund my account {$180.00} for the past 6 months of service charges. The charges began appearing on my bill in XX/XX/XXXX meaning for the services alone ( not including interest charges and other fees ) they owe me a refund of at least {$330.00} which they are refusing to pay.

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 2017-04-17 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was denied credit due to " unable to answer with correct security questions '' Neiman Marcus has denied me credit for being UNABLE to verify my identity and has put an inquiry on my XXXX credit report. I am asking that NEIMAN MARCUS follow the proper protocols by verifying that it was indeed me applying for credit or to REMOVE inquiry off my my XXXX credit report since they can not verify that it was me who requested credit. It is against the FAIR CREDIT ACT and I will utilize my rights. Application ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than 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 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NEW CITY FUNDING CORP.
State: SC

Complaint narrative:
I have reached out to New City Funding Corp to request copies of all contracts that were obtained in my name. Under the FCRA these creditors are required by law to provide documentation and notice of these accounts. I have called, sent multiple letters, and send multiple fax. I have not authorized this vehicle loan to be placed in my name and request that they be removed immediately or I will seek to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a joint checking account with TD Bank. The other person on the account cashed a check without my authorization. When I called TD Bank I was also told that the other person can take all of the money out and close the joint account without my authorization.

Company response to consumer: Closed with explanation