vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/XXXX I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.

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 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
On or about XX/XX/2018, I was alerted by XXXX  Credit Bureau that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by XXXX 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 2018-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am a XXXX XXXX veteran who after refinancing proceedings with Wells Fargo Bank took place, paid a XXXX County of Maryland state and county tax bill. I should note that I am a first time home owner. The bill arrived XX/XX/XXXX for the period of XX/XX/XXXX to XX/XX/XXXX. The amount paid in full came to {$440.00}. I have an escrow account with my mortgage through Wells Fargo but my bank is XXXX XXXX  of Maryland. The amount was paid to XXXX County Maryland on XX/XX/XXXX and I have my bank statement copy for proof. Since there is no system in place to not have bills be mailed out for existing escrowed account mortgage holders, I've tried on numerous attempts to get my refund from Wells Fargo Bank ( Mortgage and Escrow Division ). I have gotten nothing but a run around and been told that the amount would be refunded. My last attempt yielded nothing after communication with a Wells Fargo Manager whom I faxed my copies of the tax bill and my bank statement to after their fax number was given to me. I have also tried contacting a XXXX XXXX XXXX ( Director of the Office of Budget and Finance for XXXX County ) concerning possible resolutions of escrow situations and bills mailed to taxpayers. It has been since XX/XX/XXXX that Wells Fargo Bank has faulted on my refund with one excuse after another. Please investigate and I will await your response to this dilemma. Thank you

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 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX claims I owe XXXX XXXXXXXX XXXX XXXX {$1800.00} from XX/XX/XXXX. I have NEVER had such account. I sent papers asking them to verify. They did not. They filed a civil case against me ( XXXX ) XX/XX/XXXX. I again answered that asking for verification. They sent only my name and address back. Had a bench trial XX/XX/XXXX - XXXX - XXXX county court house - Judge XXXX - Judge asked lawyer ( Atty XXXX ) for XXXX XXXX XXXX to verify. They could NOT. CASE WAS DISMISSED. I have, on numerous times, contacted XXXX XXXX XXXX - C/O Resurgent capital services - XXXX XXXX XXXX - XXXX, SC XXXX - ( XXXX ) XXXX, asking them to REMOVE the collection from my credit report. I have contacted XXXX and XXXX also several times and disputed the collection. I CAN NOT GET IT REMOVED FROM MY CREDIT REPORT. This is not my account and I should not have it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing Payoff Statement Issued XXXX, shows a line for Deferred Interest of {$12000.00}. The most current loan from an XXXX XXXX Loan Modification, does not show Deferred Interest of {$12000.00}. The payoff statement is incorrect. SLS needs to revise the payoff statement to appropriately reflect the Loan Modification Agreement dated XXXX XXXX and Received by SLS on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I am filing because I am very unhappy with the way that Quicken Loans continues to mishandle my escrow account. I purchased one unit in a three unit condominium complex last XX/XX/XXXX in XXXX, MA. QL took from my escrow account and paid the taxes for all 3 units. XXXX will not break the tax bill into 3 individual parcels until the beginning of the fiscal year ( XX/XX/2018 ). 
The XXXX Treasury Department informed me that the appropriate procedure is for the loan provider to look at the Master Deed Agreement ( in my closing docs ) and only pay my portion of the tax bill which is 28.6 %. The city of XXXX does not take action on the entire parcel if other units do not pay the bill. 
Instead, QL took {$2900.00} from my escrow account and my portion of the tax bill should have been {$790.00}. I was also told that for the XXXX  tax bill, if my neighbors are slow to pay, QL will take money from my escrow to pay my neighbors taxes again since they must pay the taxes on the parcel associated with the unit. I am sure you will agree that this is outrageous. 
I have been working with XXXX XXXX at QL. She told me that she had investigated and QL did everything correctly. She told me it was only QL responsibility to pay whatever they pulled from the city as a tax bill on that combined parcel. Although the tax bill was significantly higher than planned in escrow, it was not QL responsibility to contact me prior to paying. This entire situation could have been avoided with one phone call. 
I am asking QL first and foremost not be allowed to create this problem again by taking my money and paying the entire tax bill for XXXX. I I am also asking QL to refund {$2100.00} to my escrow account and take my property out of escrow and recoup the money from the city or the other unit owners. QL will not lift a finger to help me recoup the money they took from my account. QL receives the benefit from interest free escrow, they should also shoulder the risk & responsibility and recoup, not solve their problem by stealing from customers escrow accounts. 
I am in discussions with my neighbors to try to get them to pay me instead of the city for their portion of the taxes. Hopefully we will be able to work it out and I will provide the money to QL to put back in escrow. However, Quicken needs to stop this practice and should not be allowed to take more than my share of taxes from my escrow account for next quarter. It looks to me as they intend to repeat the same problem. 
I have asked QL to stop handling my escrow. I am not required to escrow as my credit score is excellent and the down payment was almost 40 %. They have also refused and said I need to wait until the loan has been in place for 24 months. Incidentally, this is the second time that Quicken took money from my escrow to pay the wrong bill, but they did agree to refund in the first incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from XXXX XXXX. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX  to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX  contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is JH PORTFOLIO DEBT EQUITI.

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 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: WI

Complaint narrative:
Please see attached document

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I informed company acct is my moms but I did help her to get her furniture for her house but she lost her job due to not being able to work anymore as a results of her health and I was struggling to make ends meet company constantly calls my phone 10-20 times a day for the payment but I cant afford all of her bills plus my own and they aren't willing to help with payment arrangements or anything its really frustrating and they keep threatening with the local sheriff dept to come out to my mom home and take her furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/18 I was notified my credit score had changed and that a credit card was closed. Capital One closed my credit card due to inactivity but did not send me any notification that this was going to happen and is refusing to open the card again. I did not want this account to be closed as this was the first credit card I ever opened and established my credit history. With the closure of this card the length of my credit history was drastically reduced and lowered my credit score substantially. Capital One refused to let me speak to anyone other than a supervisor and refused to do anything to get the account open again. They told me they would never close an account without notifying the owner first however I was never notified. Their customer service was terrible and had no excuse for why they did not notify me of my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
My homeowners insurance is billed monthly and held in escrow with Amerihome Mortgage. In XX/XX/XXXX, Amerihome failed to pay my homeowners insurance renewal. Amerihome claims that they did not receive the invoice. I did receive a copy of the notice that was sent to Amerihome describing cancellation for non-payment. However, when I went online to Amerihome 's website to see if the insurance still had not been paid, they showed that the insurance policy did not expire until XX/XX/XXXX. I could only assume that the premium was paid and that I received the letter after Amerihome made payment. Fast forward to XX/XX/XXXX. I had leak in my kitchen ( the water line to the dishwasher sprung a leak ). I called my insurance company to make a claim. They were unable to find my policy but took my information in case it was a glitch in their system. A couple of days later I found out that I did not have a policy in place because Amerihome failed to pay my insurance in XXXX. Amerihome told me to hold tight as they were going to get with my insurance company and have the old policy reinstated. After several days I received a phone call from Amerihome that my policy was reinstated and that I could move forward with making a claim to my insurance company. I did just that, only to find out that the policy was not reinstated and that Amerihome just mailed a payment for the premium with a copy of the renewal notice from XX/XX/XXXX that they claim they did not receive. The insurance company will not reinstate the policy 6 months after it was cancelled. I have spent 3 weeks on the phone with both Amerihome and my insurance company going back and forth to decide who would fix my home as well as get a new policy in place on my home now. Amerihome states that they aren't liable as they didn't receive the invoice and my insurance company states they aren't liable as there was no policy in place at the time of loss. I now have mold growing in my home and am allergic to it as well as being stuck with a $ 20,000+ repair that should have easily been filed as a claim and insurance would have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
This is not a typical mortgage loan. Each month, a different amount is applied to the principal depending on the date I make the payment. The loan started at about {$220000.00}. I have been paying it for 15 years and my loan is XXXX. I am never late. My loan is due on the XXXX. If I pay on the XXXX, they apply about XXXX to my principal. If I pay on the XXXX, they apply about XXXX to the principal. On the XXXX it is even less. My payment is not late until the XXXX, but over the years I paid it around the XXXX and almost nothing was applied to the principal. Other mortgages I have had apply the same amount to the principal each month as long as it is paid before the deadline. Also, as the years go on, with a conventional mortgage, more of the payment goes to principal and less to interest. To only pay off {$20000.00} in 15 years is unreasonable. I have tried several times to get a loan modification or to refinance. This is XXXX XXXX I was told they don't do modification and I could not refinance because the appraiser they sent told them my house was were less than what I owed. I was charged {$450.00} for the appraiser. I also can not take advantage of HARP because this loan is not from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: WI

Complaint narrative:
I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XXXX this debt was accrued in XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was never late with on any payments with Capital One, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: UNITED ONE RESOURCES, INC.
State: MD

Complaint narrative:
United One has repeatedly pulled my credit without my consent. The last time, in XX/XX/XXXX, I put in complaints and the hard inquiry was removed. Now, in XX/XX/XXXX, they are pulling my credit again without my consent. This is adversely affecting my credit score through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: MN

Complaint narrative:
I contacted XXXX XXXX & Towne Mortgage Escrow department by E-mail on XX/XX/2018 as instructed to do by customer service. I had issues with how they calculated our monthly payment. 
The monthly payment should be XXXX they are billing {$610.00}. 
I Emailed them a copy of our 2018 homeowners policy showing the amount that they showed was paid on the statement was higher then what was due for the 2018 policy. 

They responded on XX/XX/XXXX but did not answer fully my questions. I understand that they are charging us a PMI of {$240.00} per year that we didn't know about. but there is apparently a shortage they are claiming of {$430.00} and they will not provide me a clear explaination of why a shortage exists. And I was told to contact customer service with further questions. customer service told me anything to do with Escrow I would need to contact the Escrow department. 

On XX/XX/2018 I contacted my insurance agent and she verified that they did not receive the payment of XXXX, that the Mortgage company stated they paid, instead they received what the policy amount should be {$1200.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
Afni has once again despised a debt that was believed to be the result of id theft and removed from my credit once before there tactics are sleazy at best. I have asked even before my report with you and several reports with the FTC that this discontinue. The company has failed to provide any proof to the contrary and pay no attention to the FCRA or the Faor Debt Colllection act and continues to do business despite ignoring the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lending Club Corp
State: NJ

Complaint narrative:
On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from Lending Club. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX  contacted them they did not. I reached out to XXXX to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX contacted them they had not. I have not heard from XXXX  since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation