vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a 1st Mortgage with XXXXXXXX XXXX  XXXX XXXX, and serviced by SPS Portfolio Servicing,  XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I had a pending loan modification that expired XX/XX/19 that I was paying ap. {$1500.00} per month on. On XX/XX/19 the servicer sent me a notice of the expiration of my 5 year modification with a demand for a new monthly payment of {$3800.00}, and beginning XX/XX/19!! This is a {$2300.00} dollar per month increase!! 

They informed me that I could submit for another modification, which I did. After all the paperwork I provided SPS informed me that XXXX XXXX does not provide this service any longer. I appealed this decision to give me 1 more year and they declined. 

They " hang their hat '' on the area of the modification agreement that says borrower may suffer from payment shock at the end of their modification period. Payment shock according to- XXXX XXXX XXXX underwriters is a 20 % increase in the borrowers payment!! Mine is 250 %!! This is a owner occupied mortgage! They should have spelled this potential increase out 5 years ago. I am XXXX XXXX XXXX and have been in my home 20 years, they gave me 2 options, to sell, or refinance! Please help! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
In XX/XX/2019 I closed my Wells Fargo credit card account because they had, multiple times, committed clerical errors without notification that have actively damaged my credit score. I paid the balance in full when I closed the account and moved on with my life. 

In XX/XX/2019 a charge of {$7.00} posted to that closed account from a subscription whose card info I had not yet changed. Instead of rejecting the payment ( because the card was cancelled ), Wells Fargo added a balance of {$7.00} to my CLOSED ACCOUNT. 

They did not alert me. I had no way of knowing they had done this. They charged me {$1.00} interest for XXXX and {$1.00} for XXXX. This brought the total charges on my CLOSED ACCOUNT to {$9.00}. 

In XX/XX/2019 I received a Credit Alert from XXXX that Wells Fargo had posted derogatory feedback on my credit report, dropping my credit score over 100 points. 

I contacted Wells Fargo and XXXX. Wells Fargo agreed to remove the negative feedback from my credit report and it appears they did. 

My credit returned to over 800. 

A week later, Wells Fargo posted more negative feedback to XXXX   ABOUT THE SAME {$9.00} THEY ALLOWED TO BE CHARGED ON A CLOSED ACCOUNT, dropping my credit score more than 60 points again. 

I have called the Wells Fargo Credit Bureau Dispute Resolution number multiple times and left multiple voicemails with no action thus far. 

The Dispute ID Number is : XXXX Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have a private student loan through Navient originally Sally Mae for XXXX dollars for school. I have paid over XXXX dollars in the last nine years. some how the loan itself is still only down to XXXX dollars. They continue to raise the interest rate which raises my monthly payment but as you continue to pay the interest is suppose to eventually go down. I will add every single transaction in the following pages as well from the time they gave me the money to the time I started paying off the loan. Either case, its been years and because of this I am still broke every month with a child and wife. I normally wouldn't care as long as my amount owed goes down but I don't understand how XXXX dollars later I have barely made a dent into what I owe. At this rate I will never be done and have paid them over XXXX dollars. When I contacted them they had no explanation or reason why except that its a variable rate which means the rate went up and they are able to pull all interest before the principle balance. Its a vicious loop I am stuck in. I also have a federal loan too but that is going down without any repercussions as a borrower, I am happy to continue to pay. Its just this one in particular I am upset and baffled by. XXXX dollar plus and nothing has changed in nine years. If you could please look to see if it is legal and help in any way possible that would be great because my monthly finances are a great stress in my life. I work hard and continue to pay my bills with nothing to show or prove for it with a child. 

P.S. 
I did graduate but did not go into my field. This entire nine years I have paid has been out of my bank account. Yet to get my mother off the original co-signer contract I need proof of graduation. If I am the one paying then why do they need proof of graduation. It took weeks to find! seems obsolete to require proof of graduation when I have individually been the one paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
The Winn Law Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a XXXX Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to submit disputes to Equifax, for the ones I have submitted successfully, I am unable to view the results because their website has been down for over 6 months. they are unable or unwilling to send me the copy of my dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I didn't authorized a hold of {$260.00} from XXXX XXXX in XXXX, Georgia. My card evidently being held previously, or being used by a family member. I don't know have a clue! I know why American Express won't stop this transaction when it is on hold. I need to pay for my for my XXXX medicines. This is the second time filing a complaint against American Express Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC.
State: AK

Complaint narrative:
My mortgage payments were not applied even though confirmed and therefore mortgage company ruined my excellent credit rating. XXXX XXXX. Plaza Home Mortgage # XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am a XXXX  vet that relies on my VA XXXX money for food and gas and paying Bill 's. I have made an error in transferring and scheduling that caused me to overdraft but quickly transferred funds to cover the mistake and now USAA bank is holding my funds even though the savings reflects positive balance. I have no food and gas and I said I am service connected vet that relies on my va diaqbilitity that they are currently holding and wont release to me. Today is Friday and they said my funds wont be released to me until Tuesday and what am I supposed to do for food and gas till Tuesday. The resolution rep XXXX from USAA Bank is not willing to release my funds because she said my account was just opened. 
Even though it is clearly shows that the funds are cleared by my other bank 3 business days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I was approved for a {$380000.00} 15 year fixed rate home loan by Bank of America. The next day I was denied and instructed to call the XXXX XXXX XXXX XXXX at phone number XXXX.XXXX.XXXX.XXXX. The only reason that I was provided for the denial was that it was a " business decision '' to not do business with 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 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company continues to report negative and derogatory information disregarding the fact that I already had the account transferred and rehabilitated by XXXX  in which I am paying XXXX a month due to me being on XXXX. They continue to falsely abuse the law and continuously disregard any information and mail that I send them. I have called them on the phone and they ask me to send a letter with information they are the ones illegally reporting the information continuously to Experian and XXXX. XX/XX/2012 was the date the loan was open I was advised the statue of limitations doesn't apply to certain loans but it is already been 7 years reporting negative. The point I am trying to make is that I already did my part by rehabilitating the loan and allowing it to get transferred to XXXX it was with XXXX XXXX XXXX. I did what they told me to do so I can get it removed from my credit and the only one that is blatantly disregarding the law is XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX they continue to report the information and they already know that it should not be reported due to the fact that I have rehabilitated my loan. The keep finding ways to continue reporting information that is not true and is incorrect. I'm getting to the point where I want to sue them in open court for not following the law and also not caring it is also keeping me from getting a home from my family in which they do not care. XXXX  anguish is something that I am affected by this horrible situation and I intend to follow suit if it is not removed within the next 7 days. I am not going to allow this to happen to me by this company.

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 2019-05-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
A while back in XX/XX/2017, I purchased an auto lease turn in of a 3 year old XXXX XXXX XXXX XXXX The car had XXXX miles on it and valued at approximatel {$13.00}. I put a down payment of approx {$2600.00} on the car ... ... .I agreed to monthly payments but I didn't agree to make illegal State of California interest payments over the statutory rate of 12 percent or whatever the legal amount is. 
As far as I am concerned I am paying illegal interest payments of almost 30 percent. This is usury. When the car is paid off in 7 entire years I will have paid them double the money for that car approximately {$26.00} This is illegal. The State allows them to do legal business and charge interest of 12 percent. Why am I being charged double when I did not agree to be involved in no illegal rang-lings..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: OH

Complaint narrative:
Unifund CCR bought junk debt for less than a couple pennies & am now harassing me non stop on the phone well after 9pm, with mail, and they even showed up at my house looking for me. They claim I owe XXXX to them, when the debt in question was a result of false charges made on my behalf from an ex. I have disputed this with all credit companies & got it properly removed from my credit report in XX/XX/XXXX. Now its XX/XX/XXXXand a company wants money from me on a debt that isnt even mine. They are trying to sue me over this false debt! Sharks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had my federal tax refund added to the American Express Serve card through XXXX XXXX website. They said it was faster and easier, in addition I felt more comfortable having a card sent to me than putting my banking information on a website. I was supposed to receive the card on XX/XX/2019 however I never received it. 

I received my federal refund to my Serve account on XX/XX/2019 and called to see where my card was. At that point I was informed that I should wait longer as USPS can be delayed. I spoke to a rep for 5 min 33 sec. I called again XX/XX/XXXX and spoke to a rep for 4 min 39 sec and again was advised the card should be there, that they recommend I wait a little longer as if I requested another card it would cancel the first one if it finally came. I called again on XX/XX/XXXX and spoke to a rep and supervisor for 11 min 54 sec requesting a new card be shipped. I requested they send me a new one Express, however, they advised it would charge {$20.00} to my account for that and they had no way of waiving that. They shipped the new card out regular mail. I received the card on XX/XX/XXXX, I tried to activate it however the 4 digit security code on the front required for activation was double stamped making it impossible to see what numbers are required by their system. I called again and spoke to a rep and supervisor who tried several combinations for 25 minutes 54 seconds. They told me their was nothing they could do about it and would have to send another card out. They gave no resolution or accommodation for their system or machinery problem. I have funds I can not use because of their issues. They give no resolution to make it better. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Wells Fargo by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

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 2019-05-03 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: NY

Complaint narrative:
I have called and spoken with transunion 's costumer service numerous times even today XX/XX/XXXX with the fact that they have put hard inquiries on my report with no advance notice nor my consent without the proper investigation/proof. They keep telling me there is nothing that they can do about it so I bought my concern here. If you can help me get to the bottom of this it would be greatly appreciated XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX 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 2019-05-03 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2019 I have booked a flight on line from XXXX. The confirmed reservation states that if I cancel within 24h I get full refund. I have verified this information with the company prior to booking. However, XXXX changed my flight reservation within minutes after the confirmation, without my authorization. I called them back within 15 min after receiving the amended reservation ( different flights and dates ) and they told me the flight I have booked on line was no longer available. However, the airline sent me the confirmation. Given the uncertainty, I have asked if there are any charges if I cancel the flight and I was told there is no charge if the cancellation is done within 24h. I went ahead and cancelled the flight within one hour from the changed reservation. However, XXXX went ahead and charged me {$150.00} for the cancellation and another {$33.00} for seat assignment they never assigned with my reservation. 

I have called XXXX multiple times, unsuccessfully. However, the company seem to have scammed many customers the same way they did to me. There are many complaints with FTC and XXXX about this company. XXXX XXXX XXXX On another hand, I can't dispute these charges with Barclays mastercard . Since XX/XX/XXXX I have been calling them on daily basis and I can't get through their Dispute Center. Each time I have waited between 35 to 45 minutes and have been placed on hold. I have asked the Customer Service to open the dispute for me and the answer is they can't do it. I have asked for escalation and Customer Service is telling me no managers are available at this time. I have made 11 calls to Barclays mastercard since XX/XX/XXXX and still I can't open the dispute. I was also told the only option I will have to send the evidence in, is by mail to a PO BOX . The company doesn't offer any on-line uploads and I have seen there are many complaints regarding this, the company stating they don't receive the evidence in order to force customers to accept fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The XXXX XXXX Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a Citi Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief