vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MS

Complaint narrative:
I am working with XXXX XXXX XXXX and Amerisave called me pretending to work with XXXX XXXX and had me sign paperwork and pay for an appraisal, all under the guise of working with XXXX First. 

I talked to my loan officer over at XXXX XXXX to find out Amerisave lied to me and that XXXX XXXX has no relationship or affiliation with Amerisave at all

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My Mortgage has been sold for the second time since I purchased my home in XX/XX/2007 {$240000.00}. XXXX recently sold my mortgage to Select Portfolio Servicing. My Original loan amount and interest rate has increased to {$240000.00}. My mortgage debt with SPS does not reflect any previous payments made to XXXX XXXX. This looks as if I just opened this loan. I feel that I am a part of a Mortgage selling scam and I'm stuck with an increased debt that I never approved. I am asking for a full investigation of my current and previous Mortgage holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  card ending in account # XXXX. I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I called USAA back in XXXX and disputed a transaction with my debit card. I paid twice for merchandise at XXXX. It was never initiated. I call back again in XXXX and have a couple more disputes by this time. I uploaded documents and show sufficient evidence. I am just told after calling USAA at least 30 times over worry, they see it is too late for the XXXX dispute. I also see they just closed them on XX/XX/2019 but continue in the Executive Resolution department to tell me to provide more information. I am also told that I have until the XXXX of XXXX. I speak with XXXX in the CEO offices over this and my closed checking accounts today. She tells me the XXXX was never disputed at all or I never called in XXXX. I told her of course you would deny because this is exactly why USAA has been in hot water. USAA has refused anything that I asked for in XXXX years. You deny any dispute over XXXX. They have held every single amount of deposits way too long making it impossible to do anything. It would not even state on the mobile app we are holding the full amount. I would make small deposits of 100.00. USAA would hold the full amount for ten days, and if holiday over this period. I have made deposits of a extra 600.00 in a check form. This too is held at their liberty. My complaint is this debit dispute is illegal and what their continuing to do is illegal. I asked for an appeal over 7 times yesterday telephonically. I received no accurate or appropriate response.

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 2019-03-20 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: VA

Complaint narrative:
i have sent you info on XXXX XXXX they took it off my wife credit report but didn't take it off mine cause it was fraud and i need to have it taken off also i dont know anything about equifax montage service phone number XXXX XXXX i need that taken off my credit report also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had two capital one accounts and still do, this incident happened over two years ago, my daughter suggested I try filing a complaint through the CFPB because Capital One is not willing to properly resolve my dispute. They have taken no measures to contact me or resolve as I previously filed a dispute through creditkarma.com and still the issue has not been resolved. I never opened two capital one accounts I just opened one but for some reason I show as having two capital one cards with two separate online profiles and it is just really wacky. I it is strange because I had set up my online profile with Autopay and would have done so with both cards had that been set up correctly but because CapitalOne failed to mention that these are two separate profiles not even attempting to combine them in any way to help the consumer. As I kept going to the one online profile and making sure auto-pay was set up. There is no reason for me to be late on a credit card. I pay off my credit and the online profiles should be together, after all it is the same company. I have one credit card separately and the other with my auto-loan. Mistakenly not realizing that the one account was missing I thought that the auto-pays were being sent. Until I got a bill then I just paid by check but got a late fee. I called to make the payment but not after being penalized with a credit report ding in XX/XX/XXXX. This repeated as when I would call capital one they would confirm that I do have Autopay enrolled and that it would draft the next time. I called again in XX/XX/XXXX after while as I new I had made purchases during the holidays again, and they said that it had not drafted then I got another late fee ( which was reversed ) and a credit reporting ding. I stopped using the card because I was so confused I went online. Then again I made a purchase in XXXX and this time I called them to make sure and they confirmed again, little did I know that I actually had two capital one cards that looked the same when I thought I only had one so that is why I would see that Autopay was enrolled and then another payment incident happened where capital one switched me to online statements and this was in XXXX of XXXX. I fault myself but also feel that capital one should take ownership, I have asked them to combined my profile since these incidents but they do not do. I am not happy with the level of customer service that I received because they did not think to check my other account for auto pay feature. I think they should have done it and set it up on the phone while I was on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
They offered help for a forgiveness application, but they never sent me the correct form to fill out. They dance around and avoided any and everything to said they could do to help me. Then they started all over again concerning how much I owed them, and how much can I pay them on the loan that XXXX XXXX used at their advantage. This was back in 1977.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
This complaint involves EVERY person who has loans through XXXX. XXXX is making a tremendous amount of extra money, and it is costing ALL borrowers. With XXXX 's payment system, if you are scheduled to have a monthly payment, the payment is always delayed 1-2 days, sometimes even up to 5 days if it occurs prior to a weekend with a holiday. This delay in processing a regular, recurring payment to student loans allows the interest to continue to accumulate over those next couple days. 
So this may be a common practice. My mortgage company does the same. However, this same practice occurs even when trying to make an unscheduled, 1-time payment, as if you were trying to pay down a loan. For example, if you have a smaller loan, of say {$2000.00} you have been saving money on and would like to pay it off, you can not simply select the loan of $ XXXX and pay it off at that amount. You have to request a payoff amount, which would be the {$2000.00} plus the interest it builds over the course of 2-3 days. That may amount to the price of a XXXX coffee for one person 's $ XXXX loan. But if you consider how many clients, the amount of student loans there are in the U.S. and consider the amount of time ( in years ) borrows take to pay off their loans, the amount of extra money XXXX makes on this lag-time interest is incalculable. If I want to make an extra payment on a credit card, my house, or a car, in order to pay it off early, those extra payments are deducted off my principle immediately. This is not so with XXXX. Once an extra payment is made to the principle, that balance continues to grow over the course of 2-3 days and then the payment is processed. 
XXXX is making a tremendous amount of money off borrowers due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX card ending in account # XXXX. I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

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 2019-03-20 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: FL

Complaint narrative:
In 2014 my wife and I were having some financial difficulties after she lost her job due to an on the job injury that she subsequently had to sue her employer for in order to receive medical disability. During that time we received some really bad advice from an Attorney and filed for Chapter XXXX Bankruptcy. Within a matter of days we began to have remorse and requested the Bankruptcy be dismissed. The Attorney ( who offered no refund ) did not act in a timely manner and the Bankruptcy was filed, but later dismissed at our request. We subsequently contacted all our creditors and made arrangements for payment and eventually paid them off. 

One of our creditors at the time was XXXX XXXX ( XXXX XXXX ). In the initial paperwork we filed with the Attorney XXXX was not listed. I explained to the Attorney that I wanted to keep that account since I had had it for a number of years and was always in good standing, with a relatively low balance. He said that was permissible. 

To my surprise XXXX XXXX acted on a public records filing and arbitrarily closed the account ( that was current at the time ) and began reporting it to the Credit Reporting Agencies as a " charge-off ''. Despite my knowledge of that, I continued to pay them until the balance was paid in full and they gladly accepted the payments, XXXX XXXX did not sustain any financial loss from my account. 

I have contacted XXXX XXXX numerous times this matter, to include a letter directly to the CEO. My efforts have continuously been to no avail. I have disputed the entry on my credit report with the Credit Reporting Agency numerous times, but each time I am informed the information being reported will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I recently submitted a new complaint, # XXXX, which XXXX XXXX, the company I am complaining about, apparently answered that this is a duplicate of a previous complaint. This is totally false. The new complaint asked the question, " Do you own the mortgage Note? " I never filed this complaint with the CFPB before. I believe that they sold the Note to a debt collector. 

If they say the do own the Note, in answer to my CFPB complaint, and I prove that they do not, in court, they have committed a felony, lying to the CFPB, which is punishable by up to 5 years in jail and a fine. 

This is a chance for them to avoid that situation by admitting that they do not presently own the Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TX

Complaint narrative:
Experian is incorrectly reporting me as an Authorized User on XXXX XXXX ending in account # XXXX. I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX  and XXXX, however Experian has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.

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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Debt : {$500.00} XXXX The debt in question is due to an overpayment from the Veterans Affairs Office.  This debt did not arise from a contract or agreement to pay. The 31 State AG Agreement, XX/XX/2019, explicitly states " The CRA 's shall prohibit Collection Furnishers from reporting debt that did not arise  from any contract or agreement to pay ( including, but not limited to, certain fines, tickets and other assessments ). '' This is stated on page 12 of said agreement, attached to this email, paragraph C and D. 

I also include a link to said document : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX 's store credit card owned by XXXX XXXX increased late free from XXXX dollars to XXXX dollars without appropriate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. As of XX/XX/XXXX, i received an alert from XXXX XXXX reporting a decrease in my credit score from a reported delinquency. This delinquency was reported from Navient Student Loan Servicing Department of Education XX/XX/XXXX. I was not notified at 30,60, or 90 days to rectify this situation.Once i contacted Navient, i was informed that information regarding my loan and payments was being sent to a completely wrong email address.Due to the lack of communication with my loan company, my loan fell delinquent, resulting in a 90 point decrease on my credit report.I have not had this issue ever in the past. My email has been XXXX, since XXXX. Please update this in your records.This has cause me so much frustration. Moving forward i would like to keep the lines of communication open with Navient. Also, my contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
{$60.00} is the amount owed. I sent them a validation letter and they sent me back copies of paperwork that has not my name, social or signature. It has someone else 's name, social security number, insurance information and signature. I am only listed as an emergency contact.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo intentionally miscalculates an escrow account shortage to raise the monthly escrow payment. 

I received a letter dated XX/XX/XXXX saying " Your escrow account has a shortage of {$120.00} '' My monthly payment will now be increased. 
In " Part 3- Escrow account projection '' and " Part 4 - Escrow account history '', they make a projection based on the current payments. However, they only enter the payment for 11 months and omit payment for the current month - XX/XX/2019. This payment is coming - it is just not due until XX/XX/XXXX. So they make a calculation with 11 out of 12 payments and then state there will be a shortage. 

The missing escrow payment of {$490.00} would more than cover the {$120.00} shortage. This " shortage '' is created by the intentional miscalculation. A reasonable person would project with 12 payments and see there is no shortage.

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 2019-03-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX is incorrectly reporting me as an Authorized User on Chase Card ending in account # XXXX. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX and XXXX, however XXXX  has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
We were having money issues and asked XXXX to suspend our service so we wouldnt keep accruing bills we couldnt pay. They agreed to do that and during that time there was a work related injury and we had even less money. We decided to pay off comcast as soon as we could. We thought we might get sent to debt collection but were unsure of when. 

We were sent to debt collection in XX/XX/2019 ... .in XXXX of 2019 the XXXX XXXX XXXX has started putting Derogatory marks on my credit on a repeated basis ( 3 in a week ) for the same debt. 

The entire problem with this entire issue, we were never ONCE notified that we were about to be sent to debt collection, we were never once notified that we had been sent to Debt collection, by either XXXX OR the XXXX XXXX  XXXX. 

Not one time did anyone from The Debt Collection Organization Call, Email, Send a letter, anything at all to try and reach out to let us know what was going on. 

Instead they quietly took our debt on and waited without saying a word and are now spamming our credit with Derogatory marks. 

We have zero idea of how we are supposed to pay the debt, because as I said, we had no idea we had been passed on to XXXX collection. 

I have messaged them twice to try and get this entire thing sorted and they have not responded once. 

They ignore our messages and instead just keep putting Derogatory marks on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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:
Equifax ; XXXX and XXXX are incorrectly reporting the coding on the XXXX - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial Systems reported a medical collections account in the amount of {$1500.00} to XXXX without notifying me of the debt and giving me an opportunity to dispute or validate the debt.

Company response to consumer: Closed with explanation