vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have had XXXX for my mortgage for 4 years. Last month, they switched over to XXXX XXXX. My payments were always {$1600.00}. Payments were up to date with XXXX. 

XXXX XXXX sent me my first statement in XX/XX/XXXX up-charging me {$480.00} additional. My initial call was XX/XX/18 to see where the additional charge was coming from. No-one that I spoke to for several calls could tell me the reason for the up-charge and where that money is coming from. I paid the overcharge to avoid late fees and so they would not hurt my credit. I have called over 8 times in a months time period and still have not received any answers. On XX/XX/18 with my initial call I requested an escrow analysis which I was told would be complete in 2 weeks. As of XX/XX/XXXX, the analysis is still not completed which is 6 weeks later. I have provided XXXX with all proofs of House insurance and Tax information. It has been over a month of phone calls, email, and sending them proof and I still can not get an answer to where this additional payment they want every month is coming from. 

I am also receiving 2-3 robo calls from their company daily to refinance or to take out more money in a loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Customer service advised extension would be provided when I was eligible only to deny it I fell behind on payments but have called and talked to multiple reps who told me when I'd qualify for the extension. I have missed payments and returned payments that I have replaced. I was told I'd qualify around XXXX in XXXX. Called XXXX and was told to wait till the end of XXXX only to have it denied now because of payment history. I'm obviously struggling and that's why I asked for the extension. The representative should have told me I wouldn't get one from the start instead of me making arrangements to get to the point of getting the extension to be turned back around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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:
In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with Transunion and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX and have never received any response. I sent letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a valid Mastercard with Citi which I closed several years ago. The rationale for my voluntary closing the card was due to Citi raising the rate. At the time I had a large balance on the card and continued to make payments on the card. Within the last year my 9.9 % rate has been raised twice to the current rate of 11.49 %. I have inquired several times concerning the recent increases, only be told that the rates were raised to reflect the change in the Federal Reserve rates. They adjusted my rate accordingly. My question, is when the standard interest rates were lower, how come my 9.9 % was not adjusted downward. It seems that would have been appropriate. I have never been notified by Citi, to rate increases.

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 2019-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX  business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I submit a request to all 3 credit companies with documentation in support of asking them to investigate and remove XXXX XXXX XXXX XXXX loan because it was fraud and obtain through Identity theft. All 3 investigated and XXXX   along with XXXX  decision was it was deem fraudulent and removed it from my report. Experian did not remove XXXX XXXX XXXX XXXX but as you can see in my documents they remove XXXX XXXX XXXX XXXX/XXXX XXXX. One part of the loan. I am begging for assistance to get this resolved.

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 2019-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I SUBMITTED A COMPLAINT REGARDING MY LOAN THAT IS SERVICED BY BAYVIEW LOAN SERVICING FOR XXXX  XXXX XXXX, REGARDING THE PREDATORY LOAN I HAVE WHICH HAS DIRECT VIOLATIONS TO THE TRUTH IN LENDING FEDERAL LAWS THAT IS STILL UNDER INVESTIGATION, WHICH BAYVIEW IS FULLING AWARE OF BUT THEY ARE STILL TRYING TO MOVE FORWARD WITH THE FORECLOSURE OF MY HOME ON XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am requesting the proper documentation showing proof of a debt purchase. I understand that the Federal Trade Commission is explicit on debt purchase arrangements, where such proof can not be just a letter from the original creditor. If proof is not certain, then my rights are still in play under the Fair Debt Collection Practices Act. At no time was I even given proof of transfer from XXXX XXXX XXXX of an actual purchase of the {$1100.00} credit card obligation. If I do not receive such proof within the next 30-days, I will take the position that XXXX XXXX XXXX is operating as just another collection agency, not a debt buyer. The XXXX v. XXXX XXXX XXXX decision from the United States Supreme Court in XXXX of 2017 is causing problems in the debt collection industry, where debt collectors are now classifying their organizations as debt buyers without proper protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal transaction Afternoon XX/XX/2019 I received a text message about an amount of money being sent. Paypal sent me a text message to reply yes or no to confirm suspicious transaction. It opened a case then a comment was left on " spoof case created via IVR XXXX ''. I did not make that comment. 
I change my account information immediately. 


The money in the transaction was pulled from my banking to paypal to a sketchy account. 

This is the transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I got this loan in XX/XX/2014 only had 8 late payments, loan started at XXXX now after 4 yrs balance is XXXX, It hadn't went down only up this can't be right. I had no help from them, they just say pay more, I need help so I can pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I submitted my dispute to JP Morgan Chase Dispute Department on XX/XX/XXXX. 
Claim Number : XXXX I explained customer service representative that I'm disputing a transaction that was posted on my checking account on XX/XX/XXXX with merchant XXXX for {$27.00}. I disputed this transaction with my bank due to merchant cancelled the above referenced transaction per my request and the clerk at XXXX  station confirmed to me that my debit card ending in XXXX would not be charged since I did not fill a gasoline. 
I noticed that my debit card was charged on XX/XX/XXXX for {$27.00} from the merchant. I have been trying one more time to resolve a cancelled transaction with a merchant on XX/XX/XXXX and it was unsuccessfully. 
Therefore, I submitted claim of disputed transaction to JP Morgan Chase on  XX/XX/XXXX and bank accepted for research and I was advised that temporary credit will be issued to my account until they complete their research. 
On XX/XX/XXXX, I received a letter from my bank that notified me that they completed their research of my claim and found that the transaction was processed correctly or was authorized. 
I called dispute department on XX/XX/XXXX and spoke to representative who advised me to contact merchant directly to resolve dispute. I also spoke to account specialist Supervisor named XXXX and she was assisting me with my dispute. Supervisor advised me since the bank has no dispute rights for automated fuel dispensers, the transaction is considered is valid and referred me to contact merchant directly to resolve dispute. I explained them that I have already contacted merchant and was unable to resolve dispute for this transaction. Chase advised me that temporary credit will be removed from my account. I informed bank that I did not receive any service or merchandise from the above merchant, therefore I'm loosing my money. Supervisor confirmed me one more time that bank is loosing my since they do not have dispute rights for this transaction. I completely disagree with Chase research and submitting my complain to Consumer Financial Protection Bureau for further review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Experian containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Experian. Experian # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX  # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that Experian and XXXX  received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX  levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to assist me in this urgent matter and clear this up as soon as possible.

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 2019-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had an interest-only mortgage with Wells Fargo for 10 years. We always paid on time. When the 10 year term of the loan came close to ending, we tried to refinance the mortgage, since the on option Wells Fargo gave us was an interest and principal loan amortized for 30 years. The payments were too high, so we tried to negotiate a 30 year term loan. WF gave us a run-around, kept denying us after numerous attempts, even though our income/debt ratio was in line for their refinance consideration. Eventually, I was forced to file a Chapter XXXX bankruptcy to stall their foreclosure proceedings and we eventually had to sell our home below its value. They were horrible to work with, and forced us out of the home we planned to keep.

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 2019-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is the worst company they find ways to make you late to charge fees and ruin your credit. I had XXXX but I contacted company and they assured me that they will work out a payment arrangement to avoid me from being late. They lied they then said I could establish a automatic pay out of my checking account to avoid late fees and late report. I want to close this account but don't want this bad history on my credit report. This is the only card that I have that are very misleading to their customers. I just don't want this visa card anymore because this is the worst credit card to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Credit cards were open using my personal information. As per chase they were an XXXX and freedom card. I contacted the bank when I was made aware of the fraudulent accounts. These accounts were open when I was in XXXX XXXX ( XXXX ) .The credit card company closed the old cards and reopened new credit accounts and charged me for it. I provided a police report and a bank statement to the fraud investigator because she asked for it. The fraud department is now asking that I provide them with my bank account information to help them with their investigation. I asked for proof that they couldnt provide. 

I need all credit card accounts in my name with chase closed and removed from my credit file as I never applied for any credit card with chase. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Equifax containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Equifax. Equifax # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that XXXX  and Equifax received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to  assist me in this urgent matter and clear this up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: CA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Trans Union containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Trans Union. Trans Union # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX  # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that Trans Union received the certified packet and on XX/XX/XXXX I received confirmation that XXXX and XXXX  received the certified packet that I sent. On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX   levels. On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to assist me in this urgent matter and clear this up as soon as possible.

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 2019-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Two years ago, USAA paid property tax from my escrow account for the incorrect property. This year, they were contacted in XXXX that I would be cancelling the homeowners insurance they had for me ( coincidentally they were who we used ) and they said no problem. I established new homeowners insurance in early XXXX and the declaration page and all was sent and communicated to USAA. I cancelled with USAA as I had already started my new homeowners insurance. USAA still renewed the insurance policy despite it being cancelled and alerted know XXXX. 

Their negligence and mismanagement of my money is unacceptable. I feel they need to compensate me for this after this has become a pattern. I am exploring refinancing options with another lender as I have no confidence in them as a lender. It is a shame as a member of 14 years. I am cancelling and trying to cut off ties as they are not a dependable company as can be seen in the lawsuits and litigations going against the company in recent months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation