vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX, after retirement, my wife and I opted to move to southern XXXX   and buy a retirement home. We also opted to retain our home In XXXX, XXXX XXXX, which our son offered to occupy the home and pay mortgage, taxes and insurance. We agreed. Over the next five years we had a couple of minor issues with Wells Fargo ( WF ) and to that point I made certain they had my XXXX address, email and cell phone number because there was some confusion. In late XX/XX/XXXX my son called and informed me that the house payment had increased from {$1200.00} to {$1500.00} ( approx. ) per month. Since I had not agreed to any contract change between FW me, I called and was told that WF had to purchase home insurance because we did not have an active policy. I knew my son had mentioned changing home insurance from XXXX to another company. they claimed that they had sent a letter to the XXXXXXXX XXXX address in XX/XX/XXXX stating the problem, which was that the policy they received had my sons name not mine. The policy did contain all other pertinent information such as address, amount of coverage and mortgage company. I did not get that letter, email, or a call stating the problem. When I do Call WF I find that if I must call back, they never seem to know what the last person did or agreed to do. 
Once I became aware that a problem existed, I called my son and within 24 hours the problem was solved. My complaint is that because WF claims that they had to take an action to obtain home insurance because we didnt comply with their unknown requirement for having my name on the insurance policy, we must pay several XXXX dollars for their mistake. They couldnt keep track of my contact information. 
After I called again this XXXX XXXXXXXX I was sent, via email, which was known to WF a copy of the letters they said were sent to me at the XXXX address.

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 2019-08-21 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: WA

Complaint narrative:
My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?

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 2019-08-21 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: WA

Complaint narrative:
My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with XXXX. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent XXXX proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with XXXX the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let XXXX know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Switched insurance carriers. Despite several requests for and promises from US Bank to send payment from my escrow account, they have not done so and now my insurance account is in default.

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 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I applied for a mortgage loan with Navy Federal Credit Union XX/XX/2019 and submitted all financial information that was required. I've spoken with XXXX XXXX and XXXX XXXX several times my file hasn't been underwritten nor has the appraisal been ordered. The builder is requiring me to pay {$75.00} a day until the loan closes if it doesn't closes by XX/XX/2019. I feel my file was set to the side and wasn't processed for a mortgage loan. Requested a pre-approval letter or conditional approval for the builder, they are refusing to provide that information. I have no credit issues or concerns that would hinder me from being able to acquire the loan. I feel that because we are a young XXXX couple that we are being targeted not being fairly treated in this process. I was also informed by XXXX XXXX the XXXX came back not as no hit, information filled out by Navy Federal to obtain that information didn't match the information on tax documents, it has to match for IRS to send the report. I went to Navy Federal for their mortgage services. I haven't been provided those services and clearly someone lack the ability to process financial information, verify information and secure the customer a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX- 2 Transactions on this date hit my bank. 

1. XXXX XXXX {$9.00} 2. XXXX {$89.00} I have notifications on my bank account and prior to any transactions hitting my bank account I had a positive balance of {$15.00} According to my alerts from yesterday, Transaction # 1- XXXX XXXX {$9.00} was processed via debit card at XXXX which left me with a balance of {$5.00} I got the notification that my balance was below the {$10.00} amount. 

Several hours later Transaction # 2 hit my account via debit card from XXXX for the amount of {$89.00} which turned my account into a negative balance of - {$83.00} which would prompt an overdraft fee, no hands down. But I get two overdraft fees, one for each transaction. So I called CHASE to figure this mess out and they tell me they decided to process Transaction # 2 before Transaction # 1 which allowed them to charge me two overdraft fees, this by no means is not fair business and should be against the law for a bank to alter the books to gain a profit. 

This is fraud and theft

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Grant & Weber
State: FL

Complaint narrative:
On wed XX/XX/19 I received a call from a person named XXXX XXXX saying she was the director of operations for for the offices of civil disputes. she stated her affiliated attorney had been trying to reach me ( no contact ever with any attorneys ) and she said i had not responded in the compliance period. she then said her fellow mediation division has been retained has not been able to communicate with me regarding case # XXXX and the rest is basically I better call right away. 
I called and they would not answer any questions or say who the firm was, i finally got out of her that I had a debt and they were going to take me to court to retrieve it. I quickly checked my credit reports and found no such debt. Today I got a call from a local number that when dialed went to this firm who I tricked the person answering into giving me the name. ( XXXX & Weber or Grant and Weber ) ( they are using spoofing phone numbers to trick people, the first call came from Delaware ) when I asked for this XXXX, a man picked up this time and was very rude and made fun of my name numerous times with changing his tone of voice in way to make himself sound effeminate when saying it. He said I had a dept from 7 years ago and they were filing in XXXX county to sue me unless I paid. when i told him over and over I do not have a debt he threatened me with filing a 1099c with the IRS so they audit me for 5 years! 
I know in Florida even if I had such a debt the statute of Limitations is FIVE years so this is in my opinion is bogus and just bad practice in harassing me. attached is a screenshot of the Voicemail she left, i still have the original vm audio too

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 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Someone applied for a credit card with my personal information with Capital One without my knowledge or consent and its identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I received a cashiers check for a car sale for {$17000.00}. The buyers came out from Missouri with a cashier check from XXXX XXXX. Addressed to myself and the Vin #  of the car in the memo. 
I am a XXXX member with Chase Bank, so I trust them with my money. 
I deposited the cashiers check on XX/XX/XXXX at my local Chase Bank in XXXX, Kentucky. No questions were asked from the teller. I did inform her I just sold my car and she informed me the funds would be available soon. 
On XX/XX/XXXX I happened to check my bank statement online to see the {$17000.00} refunded. I called Chase immediately and all they told me that it had been refunded.

I drove to the chase bank I had made the physical deposit and spoke to their acting manager. She was able to pull up the check and told me someone higher up in Chase deemed the check altered. I informed her this was for selling my car and that I no longer had the car in my possession. I also informed her that the buyer stated his loan account was not active and that is why the cashier check did not go through. I was already under stress with thinking I was just scammed but the acting manager reassured me things were likely fine and that his bank would sort it out. 

XX/XX/XXXX I ended up calling the bank on the cashier check myself and gave them the check #. Their teller informed me that the check was a fraudulent check and was not one of theirs. 

I was furious. I was just scammed out of {$17000.00} and lost my car. I immediately filed a police report and went to another Chase bank and spoke to their manager who immediately saw what the check was missing. He admitted that the teller should have caught this mistake. 
I am baffled as to why Chase did not call this other bank to verify the funds when I was depositing that day? I have not been able to sleep or do anything but worry. I have been doing my own investigation on the case, and feel if Chase would have caught this back on XX/XX/XXXX I would have been able to start looking for my car sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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:
XXXX  deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man.

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

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 2019-08-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Twice, I requested a free credit report from Equifax under the Fair Credit Reporting Act, the last time on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - {$3800.00} - XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX| |EQUIFAX| |COLLECTIONS : - XXXX XXXX - XXXX - XXXX - XX/XX/XXXX - $ XXXX |INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX   XX/XX/XXXX XXXX XXXX |XXXX| |COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX - {$3800.00} INQUIRIES : - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent Debt Collectors called about an XXXX XXXX   account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone.

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 2019-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I have a complaint against Ace cash express for repeated and constant annoying phone calls on a daily basis plus written notice.of debt. I told them to stop calling or i will sue them for harassment. These practices are illegal and i demand {$1000.00} payable to me for fine for these unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TX

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL  IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2019-08-21 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: Alpine Credit, Inc
State: CO

Complaint narrative:
I had my credit report ran, and found out that I had a medical collection that was derogatory on my report. I thought my health insurance had paid for this charge. I contacted the collection agency Alpine Credit , Inc. in Colorado, and I paid the {$64.00} charge. I asked them to please remove this charge from my credit report, and they would not. This is effecting my ability to get a home loan, which is extremely frustrating for me, when I did not even know about the collection. The supervisor XXXX was extremely rude, and would do nothing to help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IL

Complaint narrative:
I have repeatedly reached out to this collection company and have gotten no new information about the original debt. 
I am confident that this is an error and have no way to remove this item from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I would like to add to the complaint - # XXXX I have attached letters from Mr. Cooper since submitting my complaint, I do not want my house foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
There are XXXX overdraft fees on my account due to a XXXX charge of {$5.00} that is set up via XXXX that should have used my XXXX balance instead of this funding source ( which I currently have a dispute ). There is also a XXXX charge of {$45.00} that was supposed to be paid in cash but when the cashier scanned my XXXX XXXX XXXX she said it automatically charged the XXXX  debit card that is linked to my bank account. I called PNC Customer Service today and I was advised that the fees could not be waived because service fees had been previously waived. The rep was only able to tell me that the service fees were from XX/XX/2018, however, I had issued with my account during that time and I was advised that the free checking had been switched over to a monthly fee checking acct. The representative advised the monthly charges would be waived and my acct was switched back over to a free acct at no fault of mine. The XXXX overdraft fees have caused my acct to go further in the negative. Please refund the XXXX overdraft fees totaling {$72.00}.

Company response to consumer: Closed with monetary relief