vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
As part of the process of refinancing my home mortgage, I had an appraisal done on XX/XX/2019. The appraisal came in at a value of {$360000.00}. On XX/XX/2019 I closed on the refinance through XXXX XXXX XXXX, and all of my copies of the applicable closing documents also show an appraised/original value of {$360000.00} from the XX/XX/2019 appraisal, and a date of XX/XX/2019 as the first date a LTV of 80 % would be reached according to the amortization tables and the earliest date at which PMI could be cancelled. On XX/XX/2019 servicing of my mortgage loan was transferred from XXXX XXXX XXXX to Wells Fargo. I contacted Wells Fargo ( several times now ) to cancel PMI now that my LTV is below 80 %, but they refuse and continue to charge for PMI. Wells Fargo claims ( without any substantiating evidence ) that the original value is {$350000.00} and that I need to pay down the principle further before I can request cancellation of PMI. This appears to be deliberate and willful deceit, fraud, and theft on the part of Wells Fargo. I have attached the appraisal, several scanned pages from my closing documents, and the latest letter of refusal from Wells Fargo to cancel PMI.

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 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
XX/XX/2019 Credit card was manually entered by a merchant that I did not do business with. The company forged documents and submitted those documents in the dispute case to my credit card company. The evidence provided by the company is clearly forged and no information providing my name on those documents or signatures from me. The dispute has been ruled in the merchant 's favor as of now. This was a fraudulent transaction. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09 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: Ascendium Education Group
State: MD

Complaint narrative:
During 2018, I was paying {$150.00} a month to XXXX ( previously XXXX XXXX ). Did not receive a student loan interest credit for that tax year. After looking at my payments and invoices, 100 % of my payments were going to collection fees! They reported me as making {$0.00} towards my interest. I'm confused as to how that is possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: MI

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, TXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2019-11-09 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: MI

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2019-11-09 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: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2019-11-09 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: IL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2019-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NV

Complaint narrative:
Hello our margate company just got our loan 3 months ago and they are saying we owe then XXXX XXXX plus XXXX XXXX and the arragenal loan was XXXX XXXX 11 years ago we need some1 help us

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 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I rented an apartment with XXXX XXXX for me and my two sons. Unfortunately I had to break the lease to go into the hospital for a XXXX condition. I was experiencing XXXX XXXX weekly. My medical condition was highly public and I have even been on the news for my XXXX condition. I made the leasing office fully aware that I was going into the hospital long term, and would not be able to continue leasing the apartment. They are now charging me with rent for the remainder of my lease, for months I didn't even love there, as well as tacking on trumped up charges for damages, when there WERE NO DAMAGES to that apartment made by me. The apartment was left in the same condition we found it in. Now I have over {$3000.00} worth of debt on my credit for this apartment. This is highly unfair, I can not control my health. This company is simply going after me for the money without any compassion. I have been completely absolved of my federal student loans because of my XXXX, but these leasing agency refuses to let the balance go, or at least lower it some and work out a settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: MI

Complaint narrative:
On XX/XX/2019 I made a payment to my son 's student loan. I gave the loan number to the representative to apply the amount to the loan. The following week I checked and the payment was sent to Treasury and not applied to the loan. On XX/XX/2019 I made another payment to one of my son 's loans and this payment was not applied to the loan even though I got an confirmation number. My son requested forms for autopay and they sent the incorrect forms. Apparently there is one for private and federal loans. My son put me down with Navient that I can talk to them and when I did they refused to assist me with sending the requested forms to me. I wanted to make payments from my account directly to Navient knowing that it would reduce the interest rate. They are trying anything to delay this process instead of assisting a person. I, as the mother, have spoken to different representatives of Navient and they all have different answers and none of them really knows anything or they would be able to process payments made to loans when loan numbers are given. It is very frustrating to deal with them and it shouldn't be that way. But anything to delay payments made to loans in order to get as much interest as possible. This applies to Federal and private loans. They are both processed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!

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 2019-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Thee was a dispute for a balance with an XXXX credit card balance. The company handling it harassed me and called family members harassing them. They were asked to stop and a file was made. I was told that the balance had been cleared and they would no longer contact me. Now Im getting calls constantly from Midland XXXX  regarding this same debt. My ex spouse and others are getting numerous calls. Weve also started getting calls from no caller Id. When we answer to discuss, as soon as I ask them why they are still harassing me they hang up. Im sick of the harassment for a debt I dont  owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have a care credit card and have tried 3 times to set up an automated payment. The payment time rolls around and I get a late fee because Im told the draft wasnt set up. I asked that the late fees be removed and explained my frustration that its not my fault that they didnt set up the draft as they said they would. It caused a snowball of fees that I will never be able to catch up. 

Theyve recently even started harassing family members of mine. I keep getting numerous calls with the hour some are no caller id and they are always hanging up on 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 2019-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: A-1 Premium Acceptance, Inc.
State: DE

Complaint narrative:
I have called them several times. I had a arrangement of XXXX and they took out XXXX from my bank account nobody will talk to me and they have taken more then I owed and I keep sending stop withdrawls they are not calling me back I don't know what to do. I am not even past my date of final payment yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
on XX/XX/2018 and XX/XX/2018, convergent went on my credit report without permission or just cause. validate collection asap. also, stop calling my landlord XXXX XXXX XXXX on his cell number ( XXXX ) XXXX or face class action litigation.

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 2019-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: DC

Complaint narrative:
LJ Ross a collection agency has repeatedly reported false information to all three credit bureaus, specifically " re-aging '' my account, in violation of the FCRA. They reported that I opened an account in XX/XX/2018, that is absolutely false. I never opened an account with LJ Ross in 2018, and I opened no accounts in all of 2018. Most recently they placed a derogatory remark on my account which dropped my score 70 points, and will stay on my report for 7 - 10 years. This is beyond abusive and predatory tactics. 

Below is copied from my report : Opened XX/XX/2018  ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal violated their policy by permanently suspended all of our accounts and holding all of our funds for 180 days. XXXX was started by my family and I. It is a website that sell consumer products to pet owners. I've been successfully running online shopping businesses for 2 years, in XXXX we processed {$400000.00} of revenue through Paypal. 

In XX/XX/XXXX after 1 month of operating XXXX. All my business and personal account got permanently suspended and all of our funds are withheld for 180 days. Paypal 's explanation : " The decision to permanently limit your account was made because of circumvention of PayPal 's previous limitation and reserves. As well, your account was linked to other limited accounts by login information, phone, bank, tax identification information, and address. '' This it absurd, last year ( XX/XX/XXXX ). I was operating a store with a partner, after our business partnership ended. I created a new Paypal under the same company to start a new store. I spoke a risk analyst from Paypal and the recommended that I do this and I was approved to use Paypal to process payment. 

In XX/XX/XXXX, after submitting this complaint to XXXX, Californias DA, PayPal released funds from one of my accounts ( PROOF ATTACHED ) but still have around {$3900.00} hold on my other account. 

My request is simply - please release our funds immediately from XXXX. PayPal realized it was a mistake and released my funds on XX/XX/XXXX but still holding {$4000.00} in the XXXX account. 


Our business was approved by Paypal last year in XX/XX/XXXX. We created 2nd Paypal under the same business under Paypal 's recommendation. Our business has less than 2 % chargeback over 1000 orders. Due to this hold of {$8000.00} for 180 days we have to take out personal loans and can not pay our employees and our suppliers. Paypal violated their own policies and unfairly accused of something that was recommended by their own departments. 

Account ID : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Caliber recently mailed a letter to my co-borrower, XXXX XXXX, only. I did not receive a copy. What was contained in that letter? Why was it sent? Caliber refuses to provide me a copy. Please provide me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have sent the company letters contact the credit companies call the company advise them of the fraud also the company is aware of the identity theft i know it is hard for companies to figure out who is the right person calling in because the fraudster has the same the information but i have done my part the best i can this account needs to removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: TX

Complaint narrative:
I have disputed this debt and yet they continue to report to my credit report as collection account. I am a XXXX XXXX XXXX Veteran and have free healthcare due to my XXXX. This company has purchased a debt and is illegally reporting it without even verifying any information. All health insurance claims are to be billed to the XXXX regional VA, where they are covered. I shouldn't have to fight a collection agency over a medical bill when I have full coverage insurance. This is crazy. They don't even report my address correctly. I have never received any validation. You now have stated what the bill was for, by listing personal details which violated my privacy acts as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The date of last payment is missing and the date of last active is not consistent. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/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 2019-11-09 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: Uplift, Inc
State: GA

Complaint narrative:
im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, XXXX. On my credit report, I see a listing of SyncbXXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX, Account : XXXX, Date Opened, XX/XX/2013, High Credit, {$720.00}, Credit Limit , {$720.00}. I have no knowledge of this account. I request the account to be closed effective 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 2019-11-09 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: GA

Complaint narrative:
im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This is the second time Bank of America has decreased my credit limit with no notice. I have been a loyal customer for years and have never missed a payment. I am currently working on my credit and this will ultimately hurt me as Bank of America decreased my available funds from over {$3000.00} to a little bit over {$100.00}. This card will be paid off within the next few months and I will be removing and closing all accounts. I can not continue to do business with a company that could care less about its customers and I will be sharing this on social media and anyone I can get my hands on. You dont kick your customers while they are down or try to push them down as they are trying to better themselves.

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