vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Westlake has listed a defaulted debt owed to their company on my credit report. I do not owe this debt. I requested an investigation through the bureaus. Westlake claimed the debt was valid. I requested validation of debt via certified mail XX/XX/2018. They failed to reply. I sent a 93A Demand notice via certified mail for failing to produce required documentation under federal and state law via certified mail XX/XX/2018. They replied with refusal to provide any information stating they were unable to locate the account. I sent them a third notice in the form of a 93A Demand with all of my information ( account number listed on my credit report, full name and address ). They failed to reply in any way. They have continued to report in attempt to collect this debt. It is illegal under both federal and MA law to attempt to collect a debt without providing proof of a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used the Wells Fargo go for rewards program for the first time in the middle of XX/XX/2018. After arriving at the website on my mobile device I found charities that I wanted to contribute too. By mistake I clicked on continuously new order. I began getting more cards than what I thought I should get. I called Wells Fargo and they looked into my account and saw that I clicked on continuously new order. After hearing this I told the Wells Fargo representative I wanted that changed and a stop to the cards. That has not happened and I have since then called Wells Fargo again voicing my complaint and the cards kept coming as soon as todays date.I want the cards stopped and points used as of XX/XX/2018 returned to my rewards program 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 non-monetary relief
Consumer complaint received 2018-12-07 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citimortgage in advance about modification, I knew I was going to have XXXX  XXXX & be on XXXX I specifically put off XXXX for possible modification. I was not late or behind any payments, I was just wanting payment lowered during my XXXX. In XX/XX/2018 ( loan still current ) I spoke with XXXX XXXX Citimortgage who informed me I was approved for trial period of 3months. She advised me to " check with credit bureaus to see how this will impact your credit score '' before I decided to go through modification. My FICO was approx XXXX. I contacted all credit bureaus who informed me they had no control of that & could not tell me how that would affect my credit. I was very thorough in why I was asking & how my mortgage company instructed me to do so. I followed up with Ms.XXXX  informed her of what ALL 3 credit bureaus said, was clear that i was not late, and if i could make my regular payment during the trial period ( XXXX, XXXX, XXXX ) to avoid any negative reporting. She assured me if I made payments on time as scheduled that would not be a problem. I would never have agreed to such damage to my credit score for 3months of savings. I firmly believe not only did Citimortgage failed due diligence as did credit bureaus. I was specific as to how important my credit score was. In addition to " only three months trial period '' Citimortgage sold my loan to XXXX effective XX/XX/2018. XXXX has also been reporting me as late adversely affecting my credit. I did everything I was suppose to do, my lender failed to give me all correct or clarify information given as did credit bureaus. XXXX has continued to show my account delinquent inspite of all communication I've had since XX/XX/2018. I pray for your assistance in this matter, I truly feel mislead & misinformed by both there is nothing more in could have done but call repeatedly asking for information making it clear that my primary concern was protecting my credit, hence my original contact with Citi regarding my anticipated financial situation far in advance to the point of neglecting my health to make sure all was resolved before I proceeded.

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 2018-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
XX/XX/2018 sent in two payments in the amount of {$60.00} XX/XX/2018 sent in two payments in the amount of {$60.00} These payments are done via electronic transfer American Education Services does not show any payments. 
XX/XX/2018 had the bank send proof of XXXX payments. AES still calling me daily. 
XX/XX/2018 called AES to confirm a resolution has been made. They received proof of 1 payment and applied it incorrectly. XX/XX/2018 had my bank send proof of the 2nd {$60.00} payment from XXXX XX/XX/2018 in my conversation with American Education Services they could not confirm that they received the 2 payment from XXXX, so now I have to call on XX/XX/2018 to confirm that they received the 2 payments from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: PA

Complaint narrative:
Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only SSD which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's 300 or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Two checks were forged and cashed out of my account. Both of them were typed. They were dated for XX/XX/XXXX. I caught the error on XX/XX/XXXX, and make a claim. I was told that my claim would take 3-5 business days to process, and then I would receive my money back. It was been 6 business days, so i called customer service to get an update. I was informed that it may take 30 business days to receive my money back. It could take until XX/XX/XXXX to get my money back. Thats 42 days My account will be shot {$1800.00} bc chase fraud department allowed two typed check to be paid. Also, my account states that I do not wish to cover anything if I do not have the money in my account. Against my wishes, I was charged a {$34.00} insignificant funds fee, so the second fraudulent check could be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed several disputes with Equifax regarding the XXXX student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The XXXX account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX XXXX reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the XXXX account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however Equifax refuses to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
1. XX/XX/2018, I chose not to renew my Hazard insurance carrier to be effective XX/XX/XXXX, on the date of the policy expiration, 2. I purchased a new carrier on XX/XX/2018, which notified the Mortgage company Quicken Loans on XX/XX/XXXX, so that there would be no lapse in coverage. 
3. On XX/XX/XXXX, the old carrier notified Quicken that my insurance had expired and that I was no longer covered 4. XX/XX/XXXX, I received a letter from Quicken datre, XX/XX/XXXX, stating that there was no coverage on the property and they would set up lender-forced insurance coverage ( single interest ) insurance. 
5. After several calls to my agent and my new Carrier, it was proven that Quicken was notified by the New Carrier on XX/XX/XXXX that coverage was in place and that Quicken was appropriately listed on the policy as the lender, 6. XX/XX/XXXX, I asked Quicken to remove the letter from my file. They refused. I sent an email making the same request, and again they refused to remove the negative letter to induce lender-forced insurance ( single interest insurance ) 7. I sent an email to Quicken and asked them to place all my email request along with the " negative letter ' ) document to show that indeed there was insurance and that they acted hastily and without review before sending the notice to induce single-interest insurance on my account. 
8. Quicken has agreed that it will send a " notice of correction '' to indicate that there is " Proof of Coverage '' as a follow-up to the Lender-forced Hazard Insurance letter, but will not remove either letters from my file. 

Resoultion : Because I consider the notice for Lender-forced Hazard insurance partially meets the requirements as " Letter of Error '' ( not as a violation of foreclosure act, but it was a early and unneeded initiation of a letter that should not be in my files, regardless of its limited impact ( such as future forced escrow accounts, or denial of coverage for failure to pay insurance, etc ) and should be removed from my files in its entirety, even though no purchased of the Lender-forced insurance policy was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have two Capital one Spark for business credit cards. I pay them in full on the day they are due, without exception. For the past 3 months, the day after my credit card is paid, they send me emails stating that I have to make at least my minimum payment. I call the number on the card and they tell me they did receive my payment in full. They can't figure out how to resolve. Meanwhile, every month I pay my account in full, they receive it on time and the next day I receive an email telling me I did not pay and I must make the minimum payment. 

I have talked several times to a lady at Capital one who claims to be with the executive branch of Capital one but she has not been helpful. She told me this was resolved, but it is not resolved. I don't know how anybody can trust this bank since they can't even keep track of receiving my payment in full. 
I just made a complaint with the Federal Reserve in XXXX. These people should not be allowed to be in the banking business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both XXXX  and Equifax are still reporting old information, but amazingly Equifax has removed and XXXX  continues to report. 

XXXX : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX   XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX Equifax : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my XXXX  account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX ''. 

As well as the one account Equifax is still reporting : " XXXX XXXX '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Not a complaint but a question : I currently have a safe deposit box in the XXXX XXXX Branch of Santander on which my 2 out of town sons are co-signers. Because the branch is closing, I have to open a safe deposit box in another branch in XXXX XXXX. I have been told that in order to have my sons on my account, they have to be there in person ( at the same time ) in order to sign which is not possible. My question is whether this ruling is a federal or state law or whether it is simply a requirement of Santander. My feeling is that since I am being forced to close my safe deposit box which I have had since 1968, that Santander should move the signature card to my new account. They won't even consider having the signatures on the card notarized by my sons in XXXX and XXXX. 

I would appreciate your advice on this matter. 

XXXX 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 2018-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
When I recertified my Income Based Repayment plan, I selected that my income has significantly changed from the last year, but XXXX still forced me to upload tax returns. They ended up using my wife and my joint return to recalculate my payment. However, we just had a child and my wife is solely commission based and has not been working. As a result, or family size has increased and our income has drastically decreased. When I received the new monthly payment, which was four times higher than the previous year 's, I called to have the payment re-calculated. After explaining my situation on 11/19, that individual told me to upload my pay stub and to request a recalculation, which I did. She also told me to not pay the increased payment, because my XX/XX/XXXX invoice would be re-calculated. When I called today, XX/XX/XXXX, I was told my payment can not be recalculated and now because we can not afford the payment this month, my only option is a 30 day forbearance which adds approximately {$6000.00} in principal and interest to my total balance. The representative even apologized that the previous rep made a mistake in misleading me about the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously submitted a dispute regarding the charge on my card on XX/XX/18 by XXXX for {$1100.00}. My rental contract included unlimited miles, however, I was charged an additional $ XXXX+tax for mileage on this vehicle. I submitted the original rental contract to Chase, however, Chase made to the decision the charge was valid even though I was charged for something that should have been included according to the contract. In the explanation as to why Chase found the charge to be valid, no actual reason was provided and no documentation or explanation was provided on either attempted dispute. 

I believe this was a failure of the Chase dispute analyst to view the supplied documentation and honor the original contract price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
On my second payment to the mortgage company, I started sending weekly payments, because my mortgage company did not offer bi-weekly payments to help reduce my principle. So every week I would send {$320.00} and it would build up in a suspense account until it reached {$1200.00}, then a payment would be applied and the remaining money in the suspense account would go toward principle. 

It's important to note that every month, my lender would send me a letter acknowledging short payments and that " ... this amount is not sufficient to cover the full amount of your mortgage loan periodic payment. As as result, these funds have been placed in a suspense account. The funds will remain in the suspense account until you have remitted sufficient funds to equal a full periodic payment. Once you have remitted sufficient funds and the amount held in the suspense account equals a full periodic payment, the Bank will promptly credit the payment to your mortgage loan account. ... If excess funds are also included when you submit the additional funds necessary to cover your periodic payment, those funds will be posted as a principle curtailment upon receipt of your next periodic payment, unless you instruct us otherwise. '' This worked great and without issue, from my first weekly payment sent XX/XX/XXXX, until XXXX, XXXX, when I received a late fee of {$47.00}, because they changed how they were applying my payments WITHOUT ANY NOTIFICATION. I called my lender and they promised to waive the late fee ( since it wasn't late ) and instructed me to change how I was making payments. Lender advised me to start sending separate checks, one for monthly payment and other with PRINCIPLE ONLY written in the memo field. I started doing this on XX/XX/XXXX and sent one check weekly for {$280.00} and another one for {$36.00} marked PRINCIPLE ONLY. 

My XX/XX/XXXX statement showed my late fee as PAID, but then shows ( {$47.00} XXXX in parenthesis under fees and charges paid since last statement. So I'm not really sure if they did credit me that late fee or if they stole it from me, since it was never late. 

Fast forward to today when I'm reviewing my XX/XX/XXXX statement. Now it appears that NONE of my {$36.00} principle only payments have been applied to principle. Instead they're just throwing all of the money in the suspense account to pay my regular mortgage payment when it reaches {$1100.00}. This is completely unacceptable and likely illegal. I tried calling my lender today, XX/XX/XXXX, but the representative only said " so you want me to apply the $ XXXX+ in suspense account to principle? ". It's abundantly clear that my lender is committing fraud with my account and has no interest in actually servicing my loan and helping me correctly apply payments to principle. They charged me a late fee, when my account has never been late. They changed the way payments are applied without sending me notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK

Complaint narrative:
I am having ongoing problems with getting Carrington Mortgage Services, who just purchased my load in XX/XX/XXXX, to post my XX/XX/XXXX payment correctly. I received my statement today, and it had a {$5.00} overdue payment charged. In XX/XX/XXXX, I paid my normal payment, plus an extra {$100.00} through my normal recurring autodeduct. This payment was deducted as scheduled on XX/XX/XXXX and was not late. I also made an additional payment of {$1000.00} via Carrington 's website. This payment also posted on XX/XX/XXXX. The  incorrect posting of the {$1000.00} is the subject of a different complaint, still unresolved. Carrington charges {$5.00} to make an extra payment on the website, and I accepted this fee. However, it is incorrect to record it as an " overdue payment '' when the account is not overdue. I called customer " service '' to discuss this issue, and I was told that Carrington knows the account is not overdue and all fees default to the " overdue payment '' category on the website. 

This is completely ridiculous. I am not comfortable having a shady company such as Carrington record a bunch of overdue account fees to my ten-years-ahead-of-schedule and never late account. A reputable mortgage servicer should have the ability to differentiate between a fee charged for making an extra payment versus a fee charged for having an overdue account. 

To complicate things even further, the payment history screen on Carrington 's website is completely unintelligible ( printout attached ). I am receiving statements that are wrong, the website is wrong, and fees and payments are not being applied to the correct categories. They have only had my mortgage for three months, and I am already having a hard time keeping track of the mortgage balance.

Company response to consumer: Closed with explanation