vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have a complaint with us bank online money transferring services the problem started on Thursday when I tried to transfer XXXX dollars into my negative balance of my savings account when I tried to transfer the balance it gave me a error message stating you need 5 or more dollars to transfer but from experience on online banking with XXXX XXXX XXXX i never had this restriction when i transfer {$1.00} to {$4.00} dollars when my account is negative balance without using overdraft protection but when I opened my second bank account with us bank I told can i transfer money from my account just in case it gets negative without using overdraft protection and the rep said yes and i said okay sign me up but when I signed in to online banking my account was negative so I decided to transfer money from checking to savings in the amount of XXXX that was on Thursday and It told me i need 5 or more dollars to transfer I had this issue when i opened my account with us bank and i am still having this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: CA

Complaint narrative:
I have requested Experian to investigate and send proof of investigation of the account XXXX XXXX XXXX. First this account is over 7 years old. Second this account was paid as agreed and in full to the Original owner of this account XXXX XXXX XXXX. Experian refuses to send proof of any verification after 3 request sent to 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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I contacted Ocwen Loan Servicing LLC 's customer service and their consumer ombudsman since XX/XX/XXXX requesting specifically for a copy of my appraisal report for the loan used to purchase my home back in XX/XX/XXXX because the lender never provided a copy to me that I paid for {$370.00}. I was told the lender would mail my copy but never came. Ocwen Loan sent me a property valuation instead on XX/XX/XXXX. I spoke to Ocwen 's representatives at different times and they knew what I was asking for but gave me something else. It was not an appraisal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I have a loan with QUALITY ACCEPTANCE LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and QUALITY ACCEPTANCE LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
XX/XX/XXXX To : CFPB From : XXXX XXXX Dispute identity theft XX/XX/XXXX with company XXXX XXXX  XXXX XXXX XXXX left on front door due scam. I file report with FTC due First time home owner program Appointment XX/XX/XXXX credit report pull and Housing program clerk stated XX/XX/XXXX deadline date clear credit report of this XXXX matter with Merchants Acceptance XXXX XXXX XXXX XXXX XXXX. ID theft ruin credit report. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo, mortgage manipulation of my FHA loan. 

I have made as many as 15 estimated phone calls to Wells Fargo to have the Mortgage Insurance removed from my loan after I paid the amount down to achieve the required LTV ratio. They keep telling me on the phone that they will do this and it hasn't happened. 

The extra money that I have paid them is repeatedly put into an " Un-applied Funds Category ''. 

My payment should be for a lesser amount and no Mortgage Insurance included in it. They take my calls but keep misleading me as a customer. 

The event should be that I have a new mortgage payment that is at 78 % of the original loan for the 3.875 % interest rate. Further that there is no longer mortgage insurance in the payment. 

The bank won't do what is required by law, and manipulates the account to their advantage. All of my additional payments I have sent in the past years continues to go into the Un-Applied Funds category. With this type of process they do not let me pay down my principal and charge me the interest on the loan when they pay themselves. 

Additionally they are not reporting my payment history to the credit bureaus and it is showing no payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Contract was cancelled. No valid contract. Agency could not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Seterus, Inc.
State: FL

Complaint narrative:
I have a loan with SETERU INC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SETERU INC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Earlier this year, I rightfully disputed my debt to Portfolio Recovery Associates, LLC for {$790.00}, which was purchased from a closed XXXX   XXXX credit card in XX/XX/XXXX. After Portfolio Recovery Associates validated my debt, I called them on XX/XX/XXXX to pay off the debt. I explicitly told the representative that I am paying off the debt for full removal from my credit report, and the representative stated that a full deletion would not occur unless paid in full. With the sole purpose of removing the debt from my credit report, I paid the debt of {$790.00} in full on that call. 

However, the paid collection was not removed on my credit report, and still reflected a charge-off on my credit report. On XX/XX/XXXX, I sent a certified letter to Portfolio Recovery Associates to review my call with the representative, and to have my paid collection removed from my credit report. 

On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates dated XX/XX/XXXX that they would not conduct an investigation of my dispute and claim of misrepresentation. I called them on XX/XX/XXXX to ask again to review my call and request for full deletion. The representative I spoke to referred me to a supervisor and they both explained that full deletions are not offered by Portfolio Recovery Associates. In addition, the supervisor stated that : - a complaint had already been filed on my account ( I never filed a complaint before ) - they will review my call - apologized for any incorrect information that was given to me. 

If I was given full disclosure with the original representative that a deletion was not available, I would have offered a settlement for far less than a payment in full. There is no incentive to a paid-in-full collection that still reports negatively as a charge-off on my credit report. 

Portfolio Recovery Associates is not fully representing the consequences of a paid collection to those looking to pay their debts in full. I did not deny the debt and take responsibility for it with full payment, however, I would have made a different decision to pay a settlement, not paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 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: FL

Complaint narrative:
Follow up response to Consumer Financial Protection Bureau Compaint ID # XXXX and XXXX. 
Chase was negligent in NOT properly verifying 3 fraudulent call claims and negligently deposited {$2800.00} in my daughter 's account. She reported she had NOT made these calls and that they WERE FRAUD. Her account and she were a victim of THEFT as her card was STOLEN and USED FRAUDULENTLY and WITHOUT ANY AUTHORIZATION from account owner. CHASE is responsible for this entire incident. Chase personnel were negligent and it even appears a Chase employee was apparently involved. CHASE responds the same language " we confirmed the caller was properly authenticated '' .. CHASE does NOT provide ANY PROOF. That is a lame response. I want voice recordings, how did CHASE " confirm '' if you do not have a voice recorded conversation. We filed police reports as this was A THEFT and FRAUD incident. Chase is just sweeping the issue under the rug and making us responsible for their own negligence. Depositing on 3 repeated occasions funds into an account WITHOUT APPROPRIATELY VERIFYING. YOU SHOULD HAVE IMMEDIATELY CALLED THE ACCOUNT HOLDER. ESPECIALLY AFTER THREE FRAUDULENT CALLS THAT A DEPOSIT WAS MADE AND FUNDS WERE NOT REFLECTED. REALLY, THREE TIMES!!! AND CHASE DOES NOT CALL????? 

NEXT, MY DAUGHTER WAS NEVER ON MY OWN ACCOUNT from which you removed funds to cover the overdraft caused by Chase negligence. How can you take funds from someone else 's account to cover the shortage when she is NOT listed on this account. ALSO, I AM NOT LISTED ON THE STATEMENTS. CHASE personnel would NOT SPEAK TO ME WITHOUT my Daughter 's authorization on this issue on HER ACCOUNT. CHASE WRONGFULLY removed funds from my account. CHASE owe 's me {$2800.00} that they incorrectly and unjustly took from my account to cover their OWN ERROR and NEGLIGENCE!!! If anything I was a custodial guardian on the account until she was XXXX. After which the account became hers and all statements sent were addressed ONLY to HER NAME. MY STATEMENTS were addressed SOLELY TO MY NAME!!!! 
CHASE needs to provide the voice recording of the caller. PROVIDE PROOF of how they can CONFIRM they AUTHENTICATED the THIEFS who called. Chase responses are very vague and are only trying to get away with having their customers pay for THEIR OWN PERSONNEL 's BLATANT ERRORS and NEGLIGENCE!! CHASE assisted a THIEF to commit a fraudulent crime with a debit card because THEY DID NOT Properly identify a caller. What bank in their right mind deposits {$2800.00} to an account just because someone calls in to claim their deposit was not reflected???? 
Chase is NOT owning up to their negligence and putting the burden of proof and burden of loss of funds on the part of their customer who was a victim of theft and fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
To CFPB, Starting from XX/XX/XXXX as a point of reference to start from, I had noticed I had a few Voicemails and opened and listened to them. I had been out of the country from XX/XX/XXXX-XX/XX/XXXX so was not answering my phone for international phone calls. After listening to the Voicemails I realized it was Upstart who I hold a loan with. I called them and asked if there was a problem with my account. They indicated I had 3 late payments added to the last 3 months of payments. I was surprised and asked why, which I was told that I was late on all those payments. I recalled the past five months dates and amounts which my checks cleared on : XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}. My grace period end date is the XXXX of each month which after late fees are assessed. 

The following is the information I received via email about the amounts I owed for the referenced months. 

XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} In speaking wit Upstart and you can see above, for the month of XX/XX/XXXX my payment was mistakenly XXXX cents short ; Payment : {$790.00} vs owed {$790.00}. I accidentally made a mistake with the XXXX cent increase from my previous months payment, but then all the following payments you can see I over paid by XXXX cents each month. In all me email notifications about the upcoming payment, those payments never included any late fees in the notifications or added them to reflect my true amount due. I was under the impression I was always make the full amount payment, but in fact because XX/XX/XXXX payment was XXXX cents short, all my payments thereafter were first being applied to the late fee which was applied to the XXXX cent shortage on XX/XX/XXXX payment. Which then had my account never fully paid and another late fee charge to occur every month. If the mentioned emails are needed as evidence, I can provide. 

I have reached out to Upstart and spoke with them, but they are unwilling to take into consideration in the amount which started this whole fiasco of XXXX cents, and that I for multiple months after overpaid by XXXX cents. I am asking for all late fees to be waived ( 3 each in the amount of {$15.00}, totaling {$45.00} ). 

Thank for you time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized Loan Servicing, LLC ( SLS ) is holding a lien on my property ( XXXX XXXX XXXX, XXXX, PA XXXX ) that was paid off by a third party investor without my knowledge. In addition, SLS is demanding that I pay them $ 43,000+ when they never provided nor forwarded information addressing my concerns of the originator 's Power of Attorney and the trail of mortgage assignments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
no response to my correspondence of XX/XX/2018 I have no knowledge of ever having a credit card with this bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX.Th ebank has my account charged off for {$150.00} No account # is listed on teh credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I financed a vehicle with Bridgecrest and made the first payment on XX/XX/XXXX. Unfortunately, on XX/XX/XXXX I had to file bankruptcy to stop a debt from an ex-husband. All of my bills were paid on time and I had not missed any payments, the filing was simply to stop a tax debt that was not mine. When I filed, I notified Bridgecrest to let them know that I would be reaffirming the loan, however an employee name XXXX XXXX contacted me to inform me that even though I would be continuing to pay for the vehicle, they would no longer report the payments ( I was willing to live with that ), and also that they would be REMOVING the account completely from my credit file. This I DO NOT AGREE WITH. Other than for punitive purposes, there is no reason to remove an account from anyone 's credit report. This is a form of " Re-aging '' and I believe it's illegal. I spoke to another employee there who stated that reporting was voluntary, and that's fine, however, once a company decides to report that account has to remain with accurate information. My other accounts remained but reflected the bankruptcy status. I even mentioned this to the bankruptcy trustee and even he stated that he had never heard of such a thing. I paid that account on time until the surrender and I want that account put back on my credit for it has re-aged my credit reports by its removal. That account was opened in XX/XX/XXXX and the credit file that it was removed from states that my oldest account is only 8 months old. This has in essence re-aged my credit report. At the time that Ms. XXXX informed me of there unscrupulous policy, I had her email a copy of my payment history for my records and for proof. Please let me know what documentation you need as this is in direct violation of the FCRA. I am trying to resolve this issue through this method however, I am prepared to take Bridgecrest to court as it has caused some financial hardships with having to pay higher interest rates because with this account being removed from my file, it appeared that I had not financed a car prior. I also have two finance managers from two well-known dealerships that are willing to make a statement and/or testify if I have to take this to court verifying the above statement. The original contract date was XX/XX/XXXX. Reaffirmation amount was to be {$18000.00}. Bankruptcy case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Cash Security, Inc.
State: OK

Complaint narrative:
On XX/XX/2018 I refinance a personal loan with cash security in XXXX Oklahoma on XX/XX/XXXX I dropped off the check before opening for my payment. A 10-day grace period is given by the company before a late fee is charged and this is the first time in the 10 loans I've had with them that I have been close to being late. On Wednesday I noticed that the check hadn't cleared my bank and contacted my bank and they let me know that the funds had been taken out on Tuesday for another bill and that that check was going to be returned so I had my father go in and make the payment that Wednesday the company got the check returned Thursday XX/XX/XXXX and the system gave me both a late fee and a returned check fee I asked the lady if there was anything I could do to get the late fee removed since I had never had one and had been a good customer for several years .she said there wasn't anything they could do. I made my principal payment of XXXX on time in XX/XX/XXXX plus another {$3.00} towards the late fee I asked the lady if I could carry it over until the next month and that I would take care of the rest of the late fee then and she assured me that that would be fine a week later I got a call from the lady at cash security asking when I'd be able to take care of the rest of the {$40.00} that is due and I told her that I planned on taking care of it when I made my payment in XX/XX/XXXX she said okay but yet then again a few days later I got another call from the lady at cash security just to let me know that the {$40.00} had went up to {$60.00} I asked her what happened and she didn't know so we had to get ahold of the Regional manager that explain to me that their system didn't put my payment towards the principal. It had first taken care of the late fees so I got another late fee because of the principle that was left die. No one told me that's how their system worked. It isnt stated in the contract and no one informed me that I would receive another late fee on my late fee. I got a hold of the regional manager again and try to get the mailing address for the main office that I told was in XXXX XXXX but they never would return my calls. I have been a very good customer for them for a long time now and it bothers me to think that they're doing this to other people. they had several opportunities to inform me that I would receive a late fee and that my principal wasn't taken care of when I made my principal payment. In my opinion this practice of theirs is extremely unethical. On top of the confusion and the Shady practices I've been receiving letters saying they don't know why I'm behind and text messages from this company although I've asked them not to text me and had set up a payment for XX/XX/XXXX already

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation