vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My loan was transferred from XXXX to XXXX XXXX XXXX, XXXX effective XX/XX/XXXX. I received a letter to that effect. ( Attached ) XXXX XXXX sent me an email on XX/XX/XXXX advising me that the transfer had taken place. ( Attached ) In the meantime, I have a property damage claim to my home which was paid by my insurance company by check made to me and to " XXXX, its successors or assigns ''. 
Today ( XX/XX/18 ), I contacted XXXX XXXX for instructions to process this check so that I could have the damage to my home repaired, engage the contractor who has already provided the estimate and so forth. The XXXX XXXX customer service person informed me that the account information has not been transferred and that they are unable to assist me and were not sure when the " transfer '' would take place -- maybe Tuesday or Wednesday of next week, but she was not sure. ( An corollary problem was that the customer service line for the " insurance dept '' would drop each and every time I punched the number for connecting to it -- which means the phone system is being serviced by incompetents. ) I asked for a supervisor to assist me, but after being placed on hold, I was told that they had all gone home and there was no one that could be contacted to assist me. 
I need to get the check endorsed and repairs on my home started and should not have to wait because XXXX ( or its principal ) and XXXX XXXX can not accomplish a transfer of accounts and data when they say it is taking place. 
I believe they have a legal duty to service my account in a prompt manner and to accomplish the transfer when they say it will take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo is reporting a debt being charged off on my credit. I've been in contact with Wells Fargo to resolve this matter they have been unwilling to settle the debt or update my three credit Bureaus XXXX, XXXX and XXXX reflecting a O balance. 
I'm being held hostage by Wells Fargo Bank and discriminated against because of the way they are reporting this debt that they say they can't collect or update balance on my credit. I need to clear this debt up because of employment opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I had a joint account with my ex-wife for our son in Suntrust bank. I was the only one who put money in it and it was used whenever he wanted to buy something, regardless whom he was with. The ex did something that caused the joint account to go in the negative ( XXXX and change ). She claimed it was fraud, however, if it was truly fraud she would eventually be reimbursed. She began paying on the amount ( XXXX ), bringing it to XXXX. She stated she was going to leave the bank, which concerned me that the bank was going to take the money from me instead, when I had nothing to do with whatever she was doing. I spoke with the Fraud department and they assured me that they would take the money from her account to make it whole and I had nothing to worry about. The very next day the bank held XXXX dollars from my savings account that was used to pay taxes coming up. I again spoke with Fraud and this time they said they were going to hold my money for a short period of time ( about 2 weeks ). My ex then paid XXXX dollars on it and was told that as long as she pays XXXX a month they would leave everything alone and not take it out of my account. After the 2 week period, they released my money. I began the process of moving to another bank as I was disgusted with their attitude about it and after a day or two, they took XXXX from my account to bring the account to XXXX. I voiced my displeasure as to how the bank essentially assisted my ex in making me pay for her irresponsibility and they told me if I wanted to get the money back I would have to take legal action or get it from he ex.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Over the summer I was 90 days behind with Barclay Card.  I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. 

This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. 

I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. 

I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. 

Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??

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 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries do not belong to 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 2018-11-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is about a Lowes / Synchrony Bank Credit Card. Cardmember services help me with my card and when I get the next moth 's statements ... the Cardmemember Services are malicious moving money around in my account so that I end up paying interest cahrges or not making the promotional expiration deadlines.

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

Complaint narrative:
This has been going on a while with Wells Fargo. We were in two modification plans with Wells Fargo. On the first one had a great home preservation specialist, XXXX XXXX, she worked closely with us and understood would be making the payments by the end of each month of the plan. She was in contact in the event of any problems. The problem occurred on the last payment of the first plan. Our bank account got hacked and we had that payment bounce. We called XXXX right away and she spoke with her manager and then told us that could put us on another modification but would be dealing with another representative. We got set up on that modification. We got word of the new rep by the name of XXXX XXXX. She was of little to no help. Sent an email that was explaining that payments would need to be made weekly but would be there by the end of each month of the payment plan. She did not bother to acknowledge this email. Another more direct tone was taken and she responded saying that was still okay and she understood. In two other complaints, submitted paid receipts showing that all payments were in fact made. XXXX took what she told us was a payment needed before could get the final paperwork sent out that was for {$20.00}. We paid that and it cleared our account. Then we kept waiting for the paperwork and never got it. Received and email from XXXX XXXX, stating modification was denied. Additional paperwork would be sent to explain. XX/XX/18 received the paperwork but it made no sense to us. We had all ready showed Wells Fargo all the paid receipts. They supposedly received out CFPB complaints but due to work schedules can not speak with them. keep leaving messages for one another. A XXXX from the home office says they are reviewing. They have been reviewing the first one for over the allotted time given by CFBP. Asked for an extension and still have not been able to discuss due to work schedule conflicts with them and us. Sent a second complaint and now received in the mail letter from collection agency acting like we are giving up. The intention is to keep the home but feel like Wells Fargo is not the least bit interested in helping us do this. Continuing the process without even trying to make contact with us via phone or email is just not professional. We also received a check from Wells Fargo stating could not put to our mortgage in the amount of {$88.00}. We never made any payment of this amount to Wells Fargo. the only amount we paid was over the phone on XX/XX/XXXX for the {$20.00}. XXXX should have not taken the payment if there was any problem. She should have been in contact with us and helped to straighten things out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received my escrow analysis on XX/XX/2018 and it is incorrect by a lot. {$450.00} to be exact due on XX/XX/2018, or ( of coarse ) my mortgage would be affected by the shortage for the next year. On XX/XX/XXXX I called my bank to claim there was something wrong with my analysis since the shortage was so large ( I expected maybe {$10.00} to {$20.00} difference ). At which time I would of paid the difference to keep my mortgage within the same price range as I am on a FIXED income. Knowing my last bank statement had my escrow account balance at {$380.00}. The mortgage personal on the line quickly realized the mistake of my analysis starting my escrow balance at {$3.00} and said I'm going to put in a request for the escrow department to do another analysis. I inquired will I get the new analysis before the XX/XX/2018 escrow shortage due date, she checked and said " Yes, you should have it in the mail by the XXXX. It didn't come the XXXX or the XXXX of XXXX, so I called my local branch to get some help from someone there. Was told " I can't do anything with an escrow dispute, unless it's in writing. '' I asked if I could speak to a Mortgage personal, she said she was one and I would have to call the XXXX number for the branch. So I called them on the XXXX only to find out the escrow department declined my request as ( and I quote ) " we only have to do one analysis a year. '' Called my bank again today the XXXX as they also included in my actual column on my analysis two house insurance payments within two months of each other, even though its in bold writing, Which is another {$480.00} clerical error on my analysis. Between the two XXXX ups done by XXXX escrow department it totals {$860.00}. They wouldn't help with the last XXXX up and I don't trust them to decline this request. So, I apologize if I'm jumping the XXXX with this complaint, but they didn't do another analysis on the XXXX as I had been told would be done. I didn't realize the escrow department had the right to decline an analysis request, especially with any clerical error. I also called my house insurance company to check and see if they didn't get paid twice to create a shortage, they haven't. Just currently stuck in a situation where I don't trust my bank with my money at all anymore. I also want any extra monies applied to my escrow to date applied to my mortgage principle printed on a bank statement. As a small change was made to my mortgage payment before the so called escrow analysis was done. The payment was made on the XXXX of XXXX and the increase was put into my escrow account. I currently haven't received my mortgage statement yet as they are printed on the XXXX of each month and received by now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/18 I sent XXXX  a letter asking them to validate these alleged debts. On XXXX XXXX I received a letter from them saying they didn't see any inaccuracies on their end. As you can see in the letter of validation I sent them they didn't provide me with anything I had requested. XXXX  failed to validate the alleged debt. Also, XXXX  is also NOT allowed to be collecting debts in the state of Texas. They don't have a bond or a license in the state of Texas. Not only has this company been reporting to each credit bureau every month, they are still trying to collect this alleged debt when they legally are not allowed to in my state. I attached all the letters and a screen shot of the Texas Secretary of State website showing this company is Not legally allowed to be collecting debts in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I am receiving harassing phone calls and emails from the 2 collection companies that XXXX XXXX is using to collect whats I owe. I have spoken with the collection agency and gone over everything with them twice and they are verbally abusive, threaten me and speak down to me. They raise their voices during the call as well. They call my work phone and cell phone every morning and every evening including weekends. They are sending emails threating wage garnishment and the amounts do not match what I owe. I have hired a credit counselor to assist me and even he can see that the information isnt accurate. We have been disputing this for a month but the harassment and threats are what need to stop.

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

Complaint narrative:
Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Last XXXX we had some extra money after taxes, so we decided to send it to the mortgage company to apply towards our principle. Our payment each month is automatically drafted, and never have we missed a payment. On XX/XX/XXXX I noticed that my payments were not being drafted as usual, so I called the company. They couldn't tell me why the auto draft wasn't working, but at that time he told me that I was paid up until XX/XX/XXXX. They had taken my payment of {$5100.00} I sent extra in XX/XX/XXXX and reversed it the next day and applied it towards monthly payments instead. This didn't reduce my principle like it should have and I continued to pay interest on a higher balance. The customer service person said they would fix it and I see there have been many adjustments to my account, but not in my favor. Currently they say I owe exactly the same principle balance that I did last XX/XX/XXXX that I do now. I have paid a total of {$16000.00} over the past 7 months, and over {$6200.00} was extra principle payments above my mortgage payment. If PennyMac is doing this to my account, I can only imagine how many other accounts they are doing this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I originally contacted the company about a year ago and your governement agency about this problem. Nothing was resolved. I again sent a fax on XX/XX/18 and again today XX/XX/18. Equifax has had computer issues all day long and keeps saying they haven't received the fax when I have confirmation stating it has been sent. 


From : " XXXX '' XXXX Date : XX/XX/2018 at XXXX XXXX MST To : XXXX Subject : Fax Sent Successfully - Dispute Department , Equifax Dear Your fax to Dispute Department , Equifax at XXXX has been sent successfully. 

You can view delivery information at the following private fax status page. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: WI

Complaint narrative:
VIOLATION OF THE FINANCIAL PRIVACY ACT : On XXXX at approx. XXXX XXXX CST XXXX XXXX inquired with US BANK about her student account not having any money within it. It seems that US BANK pulled {$630.00} from her account and paid off my * ( XXXX XXXX XXXX ) XXXX XXXX  XXXX account ending in XXXX. 

XXXX called to ask what happened to the money and to see if they would refund it back into her account, and spoke to XXXX. She kept telling XXXX that " your mom is behind on her payments '' and " it's legal for them to remove the money from your account, since your mom is a signer on your account. 

When XXXX let her know that she wanted to close the account and expressed the huge disappointment that he account was now - {$21.00}, saying that US BANK hurt her by removing ALL of her money. XXXX VIOLATED the FINANCIAL PRIVACY ACT divulging to XXXX her mom 's PERSONAL BANKING INFORMATION. 

She told XXXX that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. XXXX knew that I was in a Debt Settlement program, but I want to KEEP IT CONFIDENTIAL the amount that I owed. XXXX VIOLATED MY PRIVACY RIGHTS by letting my daughter know that I am behind over {$21000.00}. 

This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK< letting him know that I wanted to speak with their legal department about this breach of information. He told me that " XXXX '' was XXXX XXXX Supervisor. They let me know that the conversation was recorded and action would be taken to review the tape and discipline XXXX. 

I asked to have the legal department get in touch with me, to settle this matter. I am going to consult with my attorney about the breach of my rights away. 

Please help me in filing a formal complaint in this matter. 

Sincerely, XXXX XXXX XXXX XXXX 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 2018-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
On XX/XX/2018, I spoke with a JPL Recovery Solutions representative named XXXX XXXX '' over the phone. He claimed that I owed more than {$16000.00}. He also claimed that he would be sending paperwork to my employer that same day to begin garnishing my wages unless I immediately agreed to pay a total of {$4300.00}. XXXX also told me that I had to agree to automatic withdrawal from my account, beginning with a payment of {$1000.00} on XX/XX/2018. I agreed to this arrangement because I was scared of getting my wages garnished, even though I have never had any agreement with JPL Recovery Solutions and JPL Recovery Solutions has never given me any documentation showing that I owe them anything. I later received legal advice, and learned that JPL can not legally garnish my wages without a court judgment and order permitting it to do so. JPL lied about the amount I owed and also told me that I had to agree immediately or face garnishment. In fact they aren't allowed to garnish my wages at all.

Company response to consumer: Closed with explanation