vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Today   XXXX   XXXX   XXXX   I receive a email from   XXXX   XXXX   stating that there has been a new item that has been added to my credit file and it was stating   XXXX   XXXX   credit wise so you open it up and it was not creditwise and it wants you to open and it takes you to Transunion and they want  XXXX  for the service and  XXXX  days trial then cost you  XXXX  per month. Why would I pay them a monthly fee when I get it free. I have all the copies of this coming thru  XXXX   XXXX  and it does not state anything about Transunion until you are directed. I feel this is illegal way for Transunion to get business.

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 2017-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I had a previous loan with them that I paid off   XXXX    . I reapplied yesterday  X/X/17    for a new loan of {$900.00}. I received an email stating I was approved and the money would be in my account today. However, my husband also has a loan with them and now they are putting the  XXXX  accounts together and state I can not have a loan. My husband and myself called to try and get the  XXXX  accounts separated, but they keep messing them up. They then called me today and said I have to verify my bank account. They ask for my full social, my address, my date of birth and my email address to validate my account. I do not agree with that. I want to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I refinanced my student loan with wells fargo in   XXXX   XXXX  . My old student loans were with  XXXX . Although wells fargo said they had sent the funds to  XXXX ,  XXXX  said they never got the funds. Both companies said I owed them the balance of the loan. After spending every day on the phone with both wells fargo and  XXXX , I finally got it figured out ad  XXXX  got the funds and by balance was {$0.00} in  XXXX   XXXX   XXXX  . Later in  XXXX , I got a call from wells fargo stating that they had received a check drom   XXXX   for the full balance of my loan and they would apply it to my account. i told them that it had to be a mistake and they should not apply it to my account. They applied it to my account and I got a letter stating that my loan was paid in full and closed. I called both wells fargo and  XXXX  to try to get to the bottom of the situation because I know that my account balance for both companies should not have been {$0.00}. Meanwhile, while I try to figure out that situation, I am in the process of buying a new house. My lender for my house calls me and says m y credit score dropped over  XXXX  points this week because wells fargo put de rogatory comments stating that i am ov er 90 days lat e on my payment and they have closed my account. I contacted wells fargo to confront them about the situation and they say that the account has never been late and it is paid in full. They state that it is not their problem that  XXXX  sent them the funds, But that I would need to work it out with   XXXX  . This has caused me to not close on my house because my  credit score  had dropped. This has caused me earnest money, appraisal money, and inspection money. Wells fargo is not being helpful in figuring out the situation,. I have spent hours on the phone with different people and they never seem to help with the situation.

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 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
We took our daughter to  XXXX   XXXX   XXXX   XXXX  in  XXXX  PA once in   XXXX   XXXX   and once in   XXXX   XXXX   for emergency care. When we registered at the ER we provided our current address and phone numbers. We received bills from   XXXX    and paid what was not covered by insurance, every bill that was sent to us. Fast forward to   XXXX   XXXX  , we apply for a pre-approval on a loan only to find out that   XXXX    has sent t 2 i nvoices for us into collections around   XXXX   XXXX   .  i called the collections agency Transworld only to find out that the invoices and correspondences about the debt were being mailed to an address that we had lived in 6 years previously. We had  XXXX  address changes since we had lived at that location. No one from  XXXX   XXXX  ever contacted us directly about these invoices and we regularly receive care from   XXXX  . Anytime we went in for a check up we were told our account was current, we would receive a bill and we would pay it.  Transworld  also never made any actual attempts to contact us stating, that they too were sending letters to our old address. They also claimed to have called my cell phone numerous times which was a flat out lie, unless it was an automated call which i would have hung up on without listening to. We have paid the {$150.00} on  XX/XX/XXXX  when it was brought to my attention but  XXXX   XXXX  will not own up to their error and assist us with purging our now ruined credit report. In fact, the  XXXX  representative  XXXX  raised her voice to my wife and was unwilling to listen or assist us in any way. I will not stand to have my credit ruined over a clerical issue.    XXXX /Transworld can expect to be hearing from a lawyer shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Since  XXXX ,  XXXX  I have consistently requested that WFHM produce documentation ( proof ), that  WFHM has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus. WFHM has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting Act 1   5 USC S 1681i. It is the law that WFHM  produce a ( procedure in case of disputed accuracy ). Additionally I request a Promise to report payments in writing. As I have researched this issue, I have learned that this is common practice among WFHM, which in turn WFHM continues to fraud mortgage holders after a bankruptcy. WFHM  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for WFHM to 1 ) Produce documentation Under the Fair Credit Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loan after bankruptc  y  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 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I filed for a short sale with  Shellpoint Mortgage Services  and they have continuously put me in a run around. I have supplied a buyer and they are still postponing the approval by stating it has to get approved by a supervisor, investor,  manager, etc. I have advise them repeatedly I may lose my buyer and they do n't care. They stated they have tried to call me which I can supply p hone records to show they have not. My lawyer has called continuously to see what we can do to move this along and they keep giving her the run around. I believe they are trying to push me in foreclosure even though have been approved for short sale and supplied a buyer. I have a  XXXX   XXXX  mortgage and they have extended this well past the 60 day approval process. I 'm in need of assistance badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: NC

Complaint narrative:
ON     XXXX   XXXX  2017   I SE NT IN A CERTIFIED LETTER DISOUTING   XXXX   XXXX   XXXX   XXXX    COLLECTION ON MY CREDIT REPORT, THE WEEK BEFORE I HAD SENT A CERTIFIED LETTER DISPUTING OTHER ACCOUNTS. I HAD PULLED A COPY OF MY TRANSUNION CREDIT REPORT PRIOR TO SENDING IN THE DISPUTE. SO I CALLED IN TODAY ON   XXXX   XXXX  2017   B ECAUSE I HAD NOT HEARD ANYTHING FROM TRANSUNION NOR HAVE I RECEIVED A RESPONSE FROM  XXXX   XXXX  WHEN I REQUESTED VERIFICATION AND I WAS TOLD BY A TRANSITION REP  XXXX  THAT  XXXX   XXXX  WAS NOT ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE AND THAT MY CREDIT REPORT WAS SUPPRESSED WHEN TH E   1ST DISPUTE LETTER WAS SENT. THE STATEME NT ABOUT  XXXX   XXXX   XXXX  NOT BEING ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE WAS A TOTAL LIE, I RECEIVED NOTIFICATION FROM   XXXX    XXXX  AND I HAD PULLED MY CREDIT REPORT SO IT WAS THERE, IT WAS JUST NOT MADE UP AND SHE STATED THAT SHE COULD DISPUTE IT FOR ME NOW ON     XXXX  2017   MEANWHILE SHE DID STATE THAT SHE SEE THE DISPUTE THAT I SENT IN ON     XX/XX/XXXX /2017 B UT REFUSED TO DELETE THE ITEMS OFF MY CREDIT REPORT, TRANSITION DROPPED THE BALL NOT ME, THERE WERE   XXXX   ACCOUNTS ON THERE FROM  XXXX   XXXX  AND I GAVE THEM ENOUGH TIME TO VERIFY THE ACCOUNTS BUT THEY HAVE NOT DONE ANYTHING.

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 2017-05-04 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: Aspen National Financial, Inc.
State: PA

Complaint narrative:
Aspen National Collections  (   XXXX   XXXX ,  Manage  r )  sent collection letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , I disputed on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  by fax. 8 months later on  XXXX / XXXX / XXXX , Aspen reported to    XXXX   {$2200.00}  ( ori ginal creditor :  XXXX   XXXX  {$1600.00} plus {$570.00}  Aspen  fees 35 % of original balance ). I disputed to  Aspen an d   XXXX   on  XXXX / XXXX / XXXX , requesting to remove collection from  XXXX .  Aspen r efused to remove, I disputed again on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX ,  XXXX   XXXX  at Aspen sent me a letter stating his " client has no access to the contract you signed '' ; therefore, he is unable to prove he can charge collection fees in the amount of 35 % which is a violation of the FDCPA. Aspen is unable to provide payment history regarding statute of limitations because NO payments have been made. I disputed again with Aspen on  XXXX / XXXX / XXXX . Aspen is incorrectly reporting to  XXXX  that this is a new account opened on  XXXX / XXXX / XXXX  and incorrect original balance of {$2200.00} ( original creditor alleges balance due is {$1600.00} on  XXXX / XXXX / XXXX  ). I dispute debt in its entirety ; however,  Aspen  is intentionally reporting incorrect balance due, incorrect original date of debt and can not provide Contract to prove they are allowed to charge excessive collection fees of 35 %. I discovered that  Aspen  incorrectly reported to  XXXX  when I was checking my score to get an auto loan. Because of Aspen, my score has dropped drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I sent Grant & Weber a letter for a debt validation. Grant & Weber did respond via mail, but my concern is that Grant & Weber has completed a major HIPPA violation along with the original creditor  XXXX   XXXX   XXXX . Grant & Weber is an law office or so they say and I am sure they know of the HIPPA laws or so they should.     Grant & Weber has yet to provide me the original contract that I SIGNED WITH THEM.   Grant & Weber has clearly and willfully broken HIPPA laws.   My medical information is personal and should remain confidential between me and a medical provider.   Grant & Weber is in a clear violation and have no permissible purpose divulging protected health info to anyone on an account.     I intend to file a compliant with DHHS OCR against Grant & Weber as well as  XXXX   XXXX   XXXX   XXXX  for this violation because my information is protected by the HIPPA laws and when a hospital sells a debt, they are only suppose to sell the debt, and NOT my personal medical information, no details!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX   XXXX  i lost my chase credit card at my sister house but later figured that my card was missing i did n't think anything of it because i got my card back. I noticed when i checked my online account and call the company they said my account was closed. I got my card back  XXXX   XXXX  after fake checks was placed into my account i called my chase company when i got my card back they said they closed my account because of the fake checked but i ca n't reopen a account with them because of that i want to reopen an account with chase after my pin to the card has been changed and i want to get a new card but they wo n't reopen the account unless the fake checks has been cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
Learned of collections from checking  XXXX   XXXX  never got mail or phone notifications! I looked up company 's name  CBE Collection  but did n't contact them to settle amount.

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 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
My client is a   XXXX   XXXX   and can no longer   XXXX   his two story home. He asked us to assist in him in a short sale. His listing agent obtained an offer for {$250000.00} and we submitted it t o SPS  on  XX/XX/XXXX   . On  X/X/17    when I spoke with SPS I was told the value was {$240000.00} and that they would have a decision in 30 days or less. I followed up on  XXXX  and the rep said the value was missing - when I told her it was in and at $  XXXX  she found it. I called on  XXXX  and was told that we need to remove the verbiage HAFA from the HUD and put in the sellers name. I ordered that revision from the title company and submitted the revised HUD via e-mail on   XXXX    . They uploaded it to their system on   XXXX    . I have called every other day since then and am told it will be 30 days from the last date the document was received (  X/XX/17    ). I have tried to escalate the file but management and the Ombudsman department refuse - telling me they are " allowed '' 30 days to review. I understand federal regulations but why HOLD the file for 30 days just due to  one sma ll clerical change on an offer that is {$15000.00} ABOVE value? They continue to hold the file until  X/XX/17   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: WI

Complaint narrative:
XXXX / XXXX / XXXX  called  CMC  Funding/Loancare to see if they were going to pay my real estate taxes by the end of the year because they had my escrow funds on hand to do so. Disconnected from phone call. Emailed through their website to check on status. Received auto response message that they would follow up within 5 days. No response.      XXXX / XXXX / XXXX  I paid my real estate taxes myself because I had no response from the company.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  got through to customer service. I did not note the lady 's name but she advised that I email evidence that I paid my real estate taxes. I immediately emailed this evidence. Received no auto response and no follow up response.      XXXX / XXXX / XXXX  emailed the company to inquire about my escrow being released to me. Received auto response message and no follow up.      XXXX / XXXX / XXXX  called customer service and spoke to  XXXX  ID #  XXXX . He advised that he would expedite my request to the tax department. I asked him to copy me via email on this expedition. He said he could not do that. I asked who his supervisor was. He said  XXXX   XXXX . I asked to speak with her. He said I could not. I asked what the phone number was I could call  XXXX  back at to check on the status of my escrow. He would not provide a number. I asked to have  XXXX   XXXX  call me back. He said she would call me back  XXXX / XXXX / XXXX .      XXXX / XXXX / XXXX  No return phone call from  XXXX   XXXX . I called customer service and spoke to  XXXX  ID #  XXXX . I asked for status on my ticket number. After being on a lengthy hold he returned saying he would expedite my claim to the tax department. I told him that I was informed that was done on  XXXX / XXXX / XXXX  but clearly it had not. After another lengthy hold  XXXX  advised that they would need to " analyze the escrow ''. He said this analysis would be done by  XXXX   XXXX  and advised that I call back on  XXXX   XXXX .     This is where I ended my efforts and am filing this complaint. I have no confidence in the return of my escrow money and am unable to pay other bills because they have held onto it for 5 months.  CMC Funding  and  XXXX   XXXX  should be SHUT DOWN.

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 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Loan Servicing , LLC has been harassing and threatening foreclosure. My account is current and has always been paid on time. Per contract my due date is the  XXXX  of each month and I have a 15 day grace period. Bayview has acknowledge and receives all my payments within the grace period, normally  by the  XXXX   or  XXXX  day or each month. Bayview has called me starting on the   XXXX   day of each month, regardless. Additionally, Bayview charges a convenience fee for accepting my payment in addition to my regular mortgage payment.
<P/>
I have asked customer service representatives who have called why they have been calling, harassing and threatening foreclosure. Was told that this are normal and acceptable collection actions and practices.
<P/>
Previously received calls in  XXXX  and  XXXX . On  XX/XX/XXXX received call from   XXXX   XXXX   at   XXXX   XXXX  . Who escalate the call to management  XXXX  ( did not provide last name ) at ext.  XXXX . Asked why I was being harassed and demanded that they do not call to harass me. If I become late ( which I have NOT ) to notify me via US Mail as all creditors / mortgage companies due.
<P/>
I have also asked that they DO NOT call to harass if payment is done on time and to communicate with me via US mail. Bayview has failed to comply to the my requests that they " do no harass me '' if and when all my payments are in time and within the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to setup auto pay several times on Bank  of Americas  website. I had automatic payment on my account for years and have no idea why it was removed. When I would log into my account it would show that I had a payment due that had to be made. The website would restrict my ability to pay to calling Ban k of Americas phone number. I would call be placed on hold and transfered several times. My situtation would n ot be resolved and I would be told that someone would get back in touch with me to help setup auto pay when some restriction was moved from my account. I went through the process and believed that after several phone calls my auto pay was reinstated. So several months later after I was left to believe that I had auto pay reinstated, Bank of America stated I was late with a payment of roughly {$20.00} ( which was my total balance ). My wife and I are currently looking at houses after having moved to  XXXX  from  XXXX . I called Bank of America to try and understand why my payment had n't automatically pulled from my bank account. I was transferred several times and told I would once again receive a phone call with the company decision i n 2  business days. A week later I called back to find they mailed a letter to my old address in   XXXX   which I had changed on the website and over the phone at least twice. I received a response from a manger named  XXXX   XXXX  that the company did not see this as there problem and would not change the record of a late payment to the credit bureau. Since this will force my wife and I to pay tens of thousands of dollars more in loan interest you might  imagine  I 'm pretty furious. My credit history is flawless minus this recent unpleasantness with Bank of America. I would appreciate any clarity in resolving this issue quickly.

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