vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
LOAN # : XXXX LOAN : FHA I am writing you in regards to my mortgage that is wrongfully in foreclosure. 
Please note for the last couple of years Wells Fargo has been notified that my escrow account has been miscalculated since year XXXX to present and Wells Fargo has not attempt to recalculate my escrow account. 

I am also concerned about fees that was add to my escrow during this period ( XX/XX/XXXX year - XX/XX/XXXX ). 
Those fees should have been and should be reversed. 

I have provided this information to HUD, Wells Fargo, Consumer Bureau Financial Protection and to my Chapter XXXX attorney. 

I have been to local Wells Fargos and provided this information to the Manager and Loan Officers and a Real Estate Attorney ; they have agreed with me that my account is miscalculated. 

I have various news articles and have contacted attorneys with class action lawsuits about the Loan Modification miscalculation which is the cause of my loan being placed into foreclosure, a hardship and increase in my monthly mortgage payments. 

I am asking that you as the attorney investigate and compare Wells Fargo calculation in my escrow from XX/XX/XXXX year to XX/XX/XXXX my concern. I have attached my spreadsheet which reflect the correct balances currently. 

**As of XX/XX/XXXX, I do not owe Wells Fargo any money. 
Please see credits HUD FUNDS LEFT OVER - {$1800.00} and my Escrow has a credit of - {$2100.00} and the actual Principal is {$120000.00}. This is the balance that should have been reflected in my Chapter XXXX and calculated for my new mortgage payments because the loan was reamortized. 

I had to dismiss my Chapter XXXX because my attorney at the time and the Chapter XXXX Judge / Trustee explain that there was several miscalculation and my Chapter XXXX would not solve the miscalculation issues. I was told to contact Wells Fargo in which I have on going since XX/XX/XXXXyear to XX/XX/XXXX. 

I have a permanent XXXX and I feel as though I am being taken advantage of by Wells Fargo, HUD and etc. I do not believe it is very hard to recalculate an escrow account ; as, I have been asking for since XX/XX/XXXX year toXX/XX/XXXX to correct this issue. 

Thank you, 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 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received notification that my credit score dropped 34 points and I did not do anything differently. The two open accounts I have are not late. My credit monitoring service says late payments. The only late payment was more than 6 months ago and at that time my score was lowered more than 50 points to prevent me from refinancing my home. Transunion is the principal offender, siding with big corporations and not advocating for consumers. Additionally Transunion refused to removed a XXXX unwarranted collection account from 2011. I am sure if I was born on the other side of the tracks I would not constantly be fighting these hurdles.

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 2019-09-02 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Sending message to Chase Bank through this. 

This is a complaint against Chase Bank. I had the Chase Sapphire Preferred Credit Card and used it as my primary credit card. I was planning to use it as my primary credit card for the next 30+ years. One day, I had to do a charge back for {$170.00} against a terrible company called XXXX XXXX ( XXXX ) ( XXXX ). They never gave me the course report that I paid for. Chase repeatedly denied my claim and never sided with me. I am correct because I never received the course report. Chase 's customer service was very poor. Most didn't talk professionally to me or provided no information to me. When my annual fee came, I decided to cancel the credit card and end my relationship with them because they wouldn't side with me on my first charge back, poor customer service, and wouldn't give me a credit for the {$95.00} annual fee. Congratulations Chase for losing a valuable customer. I was going to upgrade my Chase credit card, get another Chase credit card, and refer you to two other people. In your mind, {$170.00} was greater value than keep me with these benefits. You lost Chase and I will support your competitor now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XX/XX/2019 I began receiving calls from Midland on Sundays after hours regarding a debt. I asked them to only contact me via mail. In XX/XX/2019, I received a bill from them offering a settlement for a debt to which I followed up with a dispute and validation request only to then receive a new bill with Midland acting " confused '' as if they were unaware of what I am disputing and also refusing to investigate until I provide documentation demonstrating errors. While speaking to a representative over them phone about information on their website, the representative became aggressive and demanding that I make a payment before hanging up. The representative informed me that if I did not make a payment with him, he would not be able to help me and that I could not call back in and get a new deal because he would not be there. I informed him that I would not make a payment until I received proper validation that this was in fact my account. In XX/XX/2019, I received another bill with false statements alleging that I agreed to a payment agreement. I followed up with a letter to the company stating that I in fact did not make any agreement with them neither did I make any claims to the account and requested to have this allegation removed and once again requested proper validation of the account and not another bill printout as the FTC states that itemized bills are not a valid form of validation. 

After several request for validation and investigation methods to both the credit bureaus and Midland, I have yet to receive proper validation. Instead I continue to receive bills and aggressive sales representatives pressuring me to pay a debt that they refuse to properly validate. I have disputed the accuracy and validity of this debt. Section 623 ( b ) ( 1 ) ( A ) of the FCRA makes it unlawful for creditors not to conduct a reasonable investigation of disputed information upon receiving notice of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity bank for Victoria 's secret enrolled me in paperless billing without me checking a box. I paid a balance online and they must have enrolled me in paperless billing even though I never checked a box to be enrolled in paperless billing. I would never do that, I hate paperless billing because I receive so much spam, I could miss a bill.The next month, I went to Victoria 's Secret and made a purchase. Two months later I get a call from Comenity that I am late. I never saw a bill, it could have gone in my junk box or they never sent it, who knows? They assessed {$28.00} ( first month ) + {$39.00} ( second month ) in late fees and {$2.00} in late charges. The lady on the phone lied and said that she would waive the late fees but not the finance charges which she said was only {$1.00}. So I paid the balance immediately over the phone and requested to be removed from paperless billing, I did not have access to my online account at the time. When I got home, I realized that not only did she not waive any of the late fees but she also kept me enrolled in paperless billing. I then un-enrolled myself from paperless billing and closed my account over the phone. I have received no confirmation that my account is closed. Its still showing that I owe {$39.00}, the second late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I have requested proper legal documentation from LEVY & ASSOCIATES LLC ( XXXX XXXX XXXX ) XX/XX/2019 XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years  ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired  all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.

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 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I took a title pawn out with this company 5 years ago and I'm still paying. The loan payments became higher than my mortgage payments. I asked would it be possible to lower the payments or let me pay it off for 50 % of the balance and the store manager refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.

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 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
We refinanced our mortgage and the new bank was given the payoff which included all interest and payments etc.for the date of XX/XX/2019. We noticed two withdrawals for PMI during the month of XXXX. The first PMI withdrawal was taken XX/XX/XXXX which was the day after we made our normal XXXX monthly payment. The next PMI payment was withdrawn XX/XX/XXXX which was the day after the new bank completed the pay off. There should not be an additional month of PMI taken because ( 1 ) the payoff was already given to the new bank and had been paid in full, and ( 2 ) because it was below the 78 % threshold of PMI requirements which are pointed out in the disclosure documents. I called the bank to verify and was told that PMI is taken one month in arrears, but no one could explain why the second PMI payment was taken. The second PMI payment needs to be credited back into escrow and sent to me, as it does not belong to the bank since the payoff had already been stated and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Security Credit Services contacted me about a collection account from the appliance service XXXX , XXXX. They stated it was for small amount of {$39.00}. My wife talked to the representative and agreed to pay the debt as long as it would not be reported to my credit. The representative agreed and took the payment. This was the first phone call received from this collection company so no other attempts were made by them and none ignored on my part. Security Credit Service collected payment from me for the debt and proceeded to violate a verbal agreement, which is legally binding in the state of Georgia and still reported the collection to my credit as a PAID collection with a XXXX balance. How negligible to report a small balanced collection after a payment was received without fuss and we were told it wouldn't go to my report. Technically, I didn't received what I paid for and this is considered FRAUD. I'm will be taking legal steps to file in small claims court if this matter is not resolved and removed from my credit. A claim with my bank will also be made for the small figured amount since it's a fraud transaction if I do not receive what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: ID Analytics, Inc.
State: MA

Complaint narrative:
My personal information was comprised several times in the last few years ( XXXX, XXXX, XXXX XXXX, etc. ) so I tried contacting Sagestream LLC to have them freeze my credit report. I have faxed the required documents listed on their website, https : //www.sagestreamllc.comXXXX, multiple times plus, mailed those same documents to Sagestream LLC 's address, called about 30 times, never any answer. I have left multiple voicemails with my name, contact number and why I was contacting them and Sagestream LLC has NOT responded to any of my request or correspondence. It's been over a month now and Sagestream LLC has not contacted me or frozen my credit file, which they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
On XX/XX/2019, unbeknowest to the customer ( Leasee ), the dealership ( Leasor ) changed the money factor from the agreed upon rate to a much higher rate and hid the change within the sales contract ( as it was not visble on the same ). Additionally, the Leasor also charged the Leasee for a nearly {$1200.00} 'Pre-Paid Maintenance ' plan by including and hiding it in the total capitlized cost of the vehicle without properly disclosing or getting the Leasee 's approval to do so. As a result, the Leasee is paying higher monthly lease payments due to the fraudulently increased capitalized cost and money factor/interest rate resulting in higher rent charges throughout the duration of the lease term. The Leasee has attempted to contact the Leasor on multiple occasions in an attempt to resolve the issue but the Leasor has failed to respond. It's the Leasee 's position that the Leasor performs the alleged conduct regularly in their day-to-day business practice when the Leasor modify money-factor rate and charges for hidden and unapproved service agreements to the benefit of the Leasor without the Leasee 's knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Fraudulent account has been disputed on several occasions and creditor refuses to removal this account. I have requested on several occasions that the Identification and application submitted to open this account be forwarded to me. This has not happened. In previous disputes the creditor has sent me billing statements. This does not constitute proof. I am not disputing whether the account exist. Im not the liable party and the account needs to be removed off my credit report immediately. The creditor has asked me to send in more documentation when the burden of proof is not on the consumer. If this account is being " verified '' when its disputed, the creditor should have proof of who opened this account. There should be a copy of the application with my personal information on it as well as the identification used to open this account. It doesnt exist. REMOVE THIS ACCOUNT

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 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Total Card, Inc.
State: CT

Complaint narrative:
I closed this credit card account months ago. I received a bill and noticed that I was still being charged interest and fees. This is defrauding consumers. There is no way that I should still be charged interest and fees when I received a final bill months ago. This company needs to be researched and fined. Im sure this isnt the only complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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