vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
NOTE : THIS COMPLAINT WAS PREVIOUSLY SUBMITTED TO " WELLS FARGO HOME MORTGAGE '' ( CFPB # XXXX ) AND IS CURRENTLY BEING SUBMITTED TO : " Wells Fargo Home Mortgage '' IN EVENT THIS ALTERNATE LISTING IN THE CFPB DATABASE IS THE CORRECT ENTITY TO ADDRESS THIS ISSUE ============================== Hello. Attached is a copy of my most recent mortgage statement dated XX/XX/2019 which references a reinstatement amount. ( Attached - PDF Reference 1 ) I have the ability and am prepared to make such payment in a single installment to being this loan current, although such action requires an updated quote from you. ( Attached PDF - Reference 2 ) Additionally, the mortgage statement makes reference that this amount consists of unpaid advance disbursements but does not fully itemize these amounts. ( Attached PDF - Reference 3 ) This property was subject of a foreclosure sale by Sale Committee on XX/XX/2019, although the report of the Committee has not been marked for judicial consideration ( potential approval ) until XX/XX/2019. 

Finally, there appear to be irregularities in the conduct of your legal counsel within this process with respect to Connecticut General Statue 49-31s regarding the concurrent filing of motions for default and judgment upon non-appearing parties. 

Such concurrent filings might be permitted for instances of abandoned or unoccupied residential buildings, however despite the repeated placement of " XXXX - Vacant '' stickers on an accessory ( storage/garage ) building on the property, there seems to exist no other evidence or rationale to think that this single family home actively occupied by the mortgagor ( me ) had somehow become abandoned property. 

Given the deficiencies in service and process upon me which resulted from this ( apparently ) erroneous application of the accelerated timeline, I ask for ability to reinstate this loan and request such calculation of the reinstatement payment amount in accordance with Connecticut General Statue 49-10a. 

Such payment would be made direct to your organization in single installment within 3 business days of receipt. Please provide wire transfer information ( or alternate remittance instructions ) in your response. Thank you..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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:
I have called and sent certified mail to Transunion concerning them reporting information that hasn't been verified. I sent in the paper from XXXX stating no bankruptcy is reporting on my record. I contacted the courts they stated they do not provide information. Also, Transunion sent me the investigation report 4 days after receiving it, which let me know they did not investigate properly.

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In direct contradiction to their cardholder agreement, American Express has refused to credit my account for a fraudulent transaction of {$10000.00} that was charged to my account on XX/XX/2018. 

Despite repeatedly contacting them for the past 9 months about this issue and making it abundantly clear that I have neither authorized nor aware of what this charge is -- regrettably as of this inquiry, I still have no resolution ( nor credit ) for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
company name is Portfolio Recovery Associates LLC. this company is claiming i owe them four different credit card accounts.

which are listed on my credit report. I've been back and forth with them almost a year disputing these amounts and requesting proof of debt.until this day i have not received. this company is falsely stating on my credit report report that the debt has been verified which has not been. i have disputed with all credit bureau 's and because of the false information written on report the credit bureau do not go further with investigation. I've sent another letter today to all credit bureau and including debt collector once again asking to verify debt for all four accounts. i would assume if i don't receive notice within 45 days as stated by the law that this should have been removed by credit bureau. all i'm asking is for some help in clearing up this mess on my credit report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a request to Trans Union on XX/XX/XXXX, asking them to correct errors on my credit report. They were supposed to investigate the errors and respond within 30 days.

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 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have contacted Ditech MANY times about my concerns, but nothing ever gets resolved. 

Every year, they send a XXXX statement to me, and I end up paying taxes on that amount. I have asked them at least seven times where this interest they have supposedly paid me is. Most recently, I asked in XX/XX/2019. I keep getting put off. I got a letter saying they were looking into the matter. Then I got a letter saying they were still looking into it. It's nearly the end ofXX/XX/XXXX, and no one can tell me where this interest they supposedly paid me got credited. 

I have checked my account every month, gone through the escrow, funds applied to the principal balance, etc., but there's no record of my EVER being credited any interest. 

This has been an annual battle, and I'm weary of it. I'm fine paying taxes I owe, but if I'm not getting the interest as Ditech is claiming, I should not be paying taxes on it. 

More recently, when I went to pay off my mortgage ( on XX/XX/XXXX ), I noticed they charged me {$190.00} in late fees even though my mortgage due date is on the first of the month, and they had already processed my XX/XX/XXXX payment. I can't be paying late if I'm 10 days early. 

Both of these issues seem like consumer fraud to me, and I'd like help getting this sorted out. 

Ditech is useless when I call or write. I get a run around and " we're looking into it '' without ever getting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Nelnet loans tried to say that I took out loans by completeness the fafsa when I took out Pell Grant. I was threaten to be prosecuted and garnished of my XXXX income regardless if I make more payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
In XX/XX/XXXX, Credit Collection Servic was added to my credit report for a past due account which was opened on XX/XX/XXXX claiming to be an outstanding balance from XXXX XXXX of {$420.00}. Four years later, without written knowledge or fair warning, the collection showed up on my credit report. As I was not notified within 30 days by any form of communication that this was an outstanding debt to be paid, this is a violation of the FCRA. I believe that this is either a fraudulent debt that was initiated without my knowledge or consent, or Credit Collection Servic is scamming unknowing individuals to pay an unfair and deceptive debt. I've attempted to dispute the information with the credit bureau and the only thing that was changed was the date on when the collection was due. I believe that Credit Collection Servic is in violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: LOAN TO LEARN
State: CA

Complaint narrative:
Date Opened : XX/XX/XXXX Creditor : Loan to Learn, aka " LOANTOLEARN '', aka " LOAN TO LRN '', akaXXXX " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code : Co-Signer Collection Agency : XXXX XXXXXXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My complaint is against EQUIFAX. For over a year or more I have been attempting ti have EQUIFAX remove an incorrect former address from my credit report that is completely strange to me. I never lived there and it is not familiar to me. 

I have repeatedly contacted them. The tell me that is corrected but it keeps reappearing. 

I can no longer get any new reports to check it without being charged for them. 
This is not fair. It is not my error!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CT

Complaint narrative:
I requested validation they did not properly validate. Sent via email. I never gave them permission to email me about this debt. This was paid. They did not show equipment returned in 2017. They did not show payments made. They reported to credit reporting company. This was paid in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Law firm Mitchell D. Bluhm & assoc ( MBA ) : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Received collection letters from MBA for {$210.00} for services date XXXX by a XXXX XXXX XXXX. we have contacted the collector ( MBA ) several times asking for verification of bill. they claim they don't have any. we have reached out to XXXX XXXX   XXXX and they inform that we have nothing owed to them. have checked into the XXXX XXXX XXXX  on this law firm/collection agency has over 600 similar complaints against them. they have reported us to our credit reporting agencies and have tarnished or perfect record. we are a retired couple and find that their practice is amoral and un ethical. we respectfully request your help. If we do owe monies we request again that they provide verification and we will pay. our credit report should be informed that it was improperly tarnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2019-Chase Credit Card bill received in mail was for {$180.00} payment due date of XX/XX/2019. It included a credit card fee of {$37.00}. I called Chase to dispute the " PAST DUE '' charge. Over the phone Chase said they would dismiss the {$37.00} late fee received on the XX/XX/2019 Bill. I paid  my minimum in full of {$150.00} on XX/XX/2019. 

XX/XX/2019 - Chase Credit Card bill received in mail was for XXXX with payment due date of XXXX XXXX. Once again including a late fee of {$37.00}. 

XX/XX/2019 - Email received from Chase Credit Card via XXXX that bill received on XX/XX/2019 with a payment Due date of XX/XX/2019 was at least 16 days past due as of XX/XX/2019. I also received phone calls from XXXX urging me to make the " Overdue '' payment. 

Statements are not correct. Statements don't reflect proper payments made. Unnecessary " Past Due '' charges. Claims that my payments are late when they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23 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 — Investigation took more than 30 days
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
I requested that OAC send me validation that the debt they are falsely reporting to the CB 's belongs to me pursuant to the FDCPA 's act section 809 on XX/XX/2019. OAC sent me back a letter simply stating that they verified the debt to be mine. None of the original information, for which I will attach, was given or forthcoming. On XX/XX/2019 I sent OAC another request asking that they validate the debt for which they said I owed. I also requested that OAC provide their method of verification, and HIPAA authorization. As of XX/XX/2019, OAC has failed to provide me with any information that this debt belongs to me pursuant to the FDCPA laws for which they are in direct violation of! I have asked for complete, and original bills and statements detailing what procedures or services were brought, and have not been given this, I have asked for the payment history and reporting dates and have not been given this, I have asked for the method of verification and have not been given this, HIPAA contracts etc- along with several other documents. OAC has failed to respond to my request. Due to their unresponsiveness in a timely manner I am requesting that this debt be deleted from my credit report or I WILL file an injunction in the XX/XX/XXXX of XX/XX/XXXX County against them.

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 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Hello, XX/XX/2019 - I called Wells Fargo to learn about how I could apply my next payments for my Wells Fargo Business Card toward a {$600.00} cash advance. After I did the cash advance I learned the interest rate was 26 %. ( Wow ). 

The customer rep told me that all payments went toward the " lowest '' interest rate first. I challenged that as I felt it is unfair to the consumers. So I asked if I could make a directed payment to my cash advance and was told " no ''. My payments would go first to the finance changes and then 1 % of the balance, and the remainder would be split toward the cash advance and the other Purchases & Other Charges. 

I don't think this is fair. As a new small business owner, I was attracted to the XXXX percent finance charges for the first 9 months promotional period. I think the 26 % interest on cash advances should be highlighted as caution statements and maybe even as a flag on the ATM screen when making a cash advance decision. Kind of like the questions about " ATM fee charges '' before you make an ATM transaction.

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 2019-04-23 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: PR

Complaint narrative:
Since 2016 I have been requesting Transunion to provide me with copies of all the documentation associated with XXXX XXXX # XXXX reported on my credit report including a copy of any viable evidence, bearing my signature showing me that account is bearing reported accurately. Despite the multiple letters asking him for those evidence, they only said that the investigations results was verified as accurate by the creditor. Tired by those answers I decided to send a letter directly to XXXX XXXX CL XXXX and for my surprise my mail being returned from the post office due to an invalid address .Same address that Transunion has in my credit report. So I sent a CL XXXX to Transunion, mention that my mail being returned from the post office due an invalid address. Given that the furnisher ( XXXX XXXX  ) has provided false information to Transunion about me, and provided Transunion with a false address demand that the item they are reporting be removed immediately. But Transunion went back to say that the information was accurate despite the evidence sent.

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 2019-04-23 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: Consumer Portfolio Services, Inc.
State: DE

Complaint narrative:
In XXXX of XXXX consumer portfolic account was closed XX/XX/XXXX. XXXX of XXXX this company changed the closed date as XX/XX/XXXX .I have report to the credit bureau XXXX XXXX , XXXX  , and XXXX was told that the account is accurate. I thought reaging account is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My mortgage was with XXXX XXXX. As of XX/XX/19 my mortgage was sold to Specialized Loan Services. When the Loan was transferred I was up to date on payments. I received an Escrow refund from XXXX XXXX for {$170.00}. When finally Received a Bill from The new mortgage company at the end of XXXX there were additional charges of {$370.00}. No one could tell me what the are for. A Statement say that it is delinquent taxes. But when I called SLS they couldn't say what it was for. on XX/XX/19 I sent in writing to SLS a request for info on the charges and have not received anything but an acknowledgement that they received my letter. My taxes are paid through my mortgage if they were paid late by the mortgage company I don't feel that I should have to pay a late fee., If that is what the fee is for. I have been paying my mortgage but my last statement said they will not that a partial payment because I have not paid this charge.

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 2019-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am the co-signer of a loan for my son. I have been paying on an account with Navient I co-signed for about 3 years. The account was approved for XXXX. My unpaid principal on the account is XXXX. I have been given several different addresses to make the payments for this account. I have come to find out I have not been paying towards the co-signed amount but to his federal loans as well. I have called and continue to have been transferred and hung up on. A representative gave me a webpage to send a list of my payment history to in order for them to research I have made payments. I sent them payments from my bank account to Navient XXXX. I sent them payments for 18 months showing my history each month. I don't understand why I have been given so many addresses to pay on one bill I co-signed for and it is not getting to the right account. Each time I have spoken with an account representative I have been reminded I co-signed for his student loan. The last time they said they received a payment was XX/XX/2019 which is incorrect payment history. I have a history of the payments I have online with XXXX XXXX. Please assist with getting this account under control. Thank you ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: PA

Complaint narrative:
They add interest charges that were already on the previous monthly statement and paid to the cash advance due next month. They essentially charge it twice.

The total cash advance due each month goes up. There has not been any more cash advances taken. The interest charged has been paid but the total amount due goes up. 

This should not be happening.

Company response to consumer: Closed with monetary relief