vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
What is this complaint about? Last year I paid fees associated with reinstating my mortgages after a short bout of unemployment. I bought my mortgage up to date paid all past due fees, attorney fees and foreclosure associated fees. 

What type of problem are you having? Wells Fargo is now advising me that we owe additional monies ( unpaid corporate balance ) of {$880.00} stating that we did not satisfy all the attorney fees when we reinstated our mortgage. They recently sent me a letter stating my mortgage was in default as a result of these unpaid fees. While my mortgage is currently up to date and not due until XXXX. 

What happened? I emailed and called. Some one by the name of XXXX XXXX in the executive suite called and shared with me that he would investigate my claims and reply in 15 days. He replied today via phone only to state that the claims are valid. He stated that he attorneys company sent them an invoice after the fact and that I am responsible for those fees. I vehemently deny those claims and feel that this is another attempt by Wells Fargo to defraud me and obtain additional monies in an unethical manner. These additional and excessive fees are a violation of RESPA What company is this complaint about? Wells Fargo Who are the people involved? My family, and Wells Fargo ( particularly the recovery department )

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I worked to pay the total balance, and have brought it down from over {$1500.00} to {$300.00} & when the interest was added, it was added based on {$1500.00} & not on the remaining {$300.00}. No company should be able to charge double the amount of interest on a deferred balance, there should be some sort of limits set for the balance and amount of interest charged. I am XXXX and on a fixed income, and can not afford to give them an additional {$260.00} plus additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have been harassed and threatened by Portfolio recovery since aprox. XX/XX/2018 to now. Even after telling them in writing to stop, they continued to call me several times a day. On one occasion, they threatened me with jail and on another occasion, the person on the other end said " I know where you live '' and laughed. They have even called my XXXX year old son. They use multiple telephone numbers and I do not answer my phone anymore nor allow my son to unless we know who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was notified that XXXX XXXX did a hard inquiry to Equifax on XX/XX/XXXX. I did not authorize XXXX XXXX who said the request came from XXXX XXXX which I did not authorize either. I filed a dispute with Equifax confirmation # XXXX. On XX/XX/XXXX I received an email that the dispute was completed and to contact them for results. I spoke with them and are refusing to remove the hard inquiry that I should dispute it with XXXX. But Ive had no dealings with XXXX  and I think they should be the ones to ask XXXX for proof that I authorized them which I did not. 

Why is the burden of proof on me? Equifax has an obligation to keep my credit report accurate and they arent doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
Dear CFPB : On XX/XX/2018, I received another letter from the Debt Collector Company Inc. Saying to my self on there letter that I have one Amount to be paid and also that I have Various other Accounts to be paid also. this debt collector keeps calling me 6 to 7 times a day. And if i can not be reached on my cell phone number they call me at home. I explain to them to please to DO NOT CALL ME NO MOE.I also wrote them a letter dated : XX/XX/2018 and i am asking them for the fallowing information : 1 ) Verification of my debt,2 ) copies of the original creditor, 3 ) any statement or bill from the original creditor, 4 ) Provide copies of Various other accounts, 5 ) copy of insurance card that was used at the time of service, 6 ) provide me with each date of service from the original creditor, 7 ) Do not contact me any more, 8 ) do not call me either any more, 8 ) provide me with there name and ext number, 9 ) do not harras me and or thretenig me on the telephone no more,10 ) They have 15 days as per State and Federal Laws to provide me with the requested documents, 11 ) This debt from the Radiology Department was paid already bye my insurance Company. Thank you. Very truly yours..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-15 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
LANIER COLLECTON SERVICES maintain files under my Social Security number. 

Upon reviewing a copy of my credit reports, I see entry listings of {$74.00}, {$150.00}, {$47.00}, XXXX, {$98.00}. This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debt twice. I received the bills they sent to me, but no contracts and no validation or signatures. 

They must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Select Financial Services, Inc.
State: IN

Complaint narrative:
II had talked to a representative about changing due date on my mortgage payment in XX/XX/2018 to the XX/XX/XXXX of the month because i get my XXXX check on the XX/XX/XXXX. HE said that it would not be a problem that he would change it.XXXX XXXX sent paper work for me to fill out. I marked due date because their representative said that he changed it to the XX/XX/XXXX of the month. He said nothing to me about any paper work! I filled out paper work, faxed it back. I got my monthly bill, still set up to take payment out on the XX/XX/XXXX! I called them and they said that i filled out the wrong date that i would have to send in an other copy to change the date so i did even though i did what their rep. told me to do! They still took out payment on the XX/XX/XXXX, causing an overdraft of XXXX dollars! Icalled them again and was told that i was supposed to write delete first set of paper work! No 0ne said anything about doing that! on XXXX XX/XX/XXXX they took out another payment, leaving me NO MONEY in my account! I called again and they said that I WOULD have to get copy of bank statement, fax to them before they could return my money! I had to borrow the money to fax them! now they keep giving me all kinds of excuses about putting the money back! They also increased my mortgage payment from XXXX to XXXX saying that my house insurance was to high! I followed the guide lines that they set! i truly think that this company is taking more of my money then is necessary! total overdrafts comes out to XXXX plus the mortgage payment of XXXX! I know that this does'nt seem like a lot but i only have my XXXX money and i have other bills to pay and i need money for gas to go to doctor appointments i can, t do anything until selene finance puts my money back! I hope that something can be done with them, because i know that i can't be the only one having problems with them!

Company response to consumer: Untimely response
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
This payment of {$350.00} is the final payment on this undisclosed closed account facilitated over a year ago without any notice to customer. I am paying the final amount minus any interest due to failure of Chase to notify me of any changes in XXXX and XXXX. When I facilitated phone conversations with Chase, I was not told account closed and what was owed at the time as I made payments and then tried to use the card and was declined, I still did not receive notice account closed. I had 3-times notified Chase of address change from an apartment in XXXX to my residence address at XXXX XXXX XXXX XXXX XXXX NM XXXX. I now have received bills for 4 months indicating they did not change the address till XXXX. I am not responsible for lack of follow through on your departments failure to contact me in appropriate time to make the balance due at the time. Instead each month a new late charge was added to increase the closing bill with additional charges. That is the challenge I will follow up on with Chase Headquarters, Consumer Financial Protection Bureau, & FDIC. I find it disingenuous to never have my chase account listed on the credit bureaus during the time it was active and up to date on payment and now you are reporting it as a debt problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
We have struggled to get Wells Fargo to review my application for Loss Mitigation Assistance due to hardship, income reduction, loss of rental income, and no assets. I kept being told I do not qualify I have 5 properties, however it is 3. The other ones co signed do not have anymore, we have provided all documents and unsure why I was denied. They could not explain to me the denial reasons, I have played phone tag with them for over a year now. I recently applied in XX/XX/2018 and unsure what happened and why I was denied. Now I am being told after many attempts to re-apply the sale date is close and we can not do anything. 

Please escalate this matter to their VP, Chairmans, Attorney 's as this is an ongoing process and nothing has been done with their management esclation team. No one wants to have authority to make exceptions, we love our home and need to keep for retirement purposes and have true hardship and cannnot get loss mitigation dept to to their job successfully.

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 2018-11-15 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: MI

Complaint narrative:
Hello, I sent XXXX Transunion and XXXX 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification. 

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation