vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all three credit agencies ( XXXX, Transunion and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except XXXX and Transunion. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from one company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that XXXX, Transunion and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from XXXX and Transunion stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XXXX/XXXX/2014 and XXXX/XXXX/2014 which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his XXXX XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only one listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, XXXX XXXX F XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, 2014XXXX XXXX XXXX, 2014 XXXX XXXX XXXX, 2014XXXX XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX XXXX, 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I requested a loan modification in XX/XX/XXXX due to an operation my wife had to undergo which has prevented her from continuing her XXXX. I was asking to skip one month 's payment, and was told that there may be a slight reduction in our total payments due to the modification. I have submitted the same paperwork numerous times, answered the same questions over the telephone numerous times ( several times the same question was asked, then asked two weeks later by another individual in a different way ). We have been late, 30 days, since about XX/XX/XXXX and have been occurring the late payments as well as having the late payments being reported to the credit bureaus. We have over a dozen requests for information by letter, some saying they have all the information they need, with another letter coming the following week asking for information or documentation we have already provided. Had I known that there would be this much red tape and time taken ( I honestly believe they are purposely stinging us along, perhaps to force us into foreclosure ) I would have looked into a new loan with another bank. At this point, I have been late, which precludes me from any HARP loan options and pretty much reduces any other options I may have had. 
What I would like is that SPS give us an answer ( I never get to speak with the same person and they shield the " decision-makers '' from their clients ), one way or another and to reverse any late payments and clear our credit with the credit bureaus. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up complaint to a prior one filed last month where I expressed concern that Wells Fargo was intentionally delaying my modification, repeatedly asking for documentation previously sent claiming it was not received and not returning calls. The worst has happened. 

I have actively been working with an individual by the name of XXXX XXXX ( " Home Preservation Specialist '' ) who I have been in routine contact with ( and often hard to reach ) who reassured me on a three-way phone call with an underwriter everything has been received and being processed last month. He even told my son on a separate private call the same thing the very last week of XXXX. 

This month I received a letter dated XXXX/XXXX/17 stating my loan modification has been closed due to lack of documentation. How?! This could not be. No notification was ever sent that something else was missing and I was just on the phone being told my loan is being processed and all is good. I was also informed by XXXX XXXX, an " Executive Mortgage Specialist, '' who my internal complaint was escalated to that the bank is " looking for the best modification '' for me at the time. ALL LAST MONTH. 

After receiving the letter last weekend, my son immediately sent an email to Wells Fargo Mortgage " Executive Office '' again where a woman named XXXX XXXX is now supposedly looking into this with a resolution dated XXXX/XXXX/17. 

But in the midst of this, a man came by my home the other day inquiring about my house being foreclosed on to my surprise. I immediately informed my son who went online and saw that Wells Fargo sent a Notice of Default to my county in XXXX unbeknownst to me, and while I was in the middle of this modification, which is the beginning of foreclosing proceeding - a PRIME CASE OF DUAL TRACKING and intentional deception. 

Unfortunately Wells Fargo can not be trusted and this needs to be escalated outside of the bank ASAP. I am afraid of losing my home after over a year long worth of attempts to work with them and sending any and every thing asked. The deceiving, lying, unethical and perhaps illegal practices have left such a level uncertainty about where I will lay my head. I have been sending paperwork after paperwork for A YEAR. 

Wells Fargo is saying there is no sale date and that the foreclosure process did not begin until XXXX/XXXX/17 ( the date of the letter ). But it should not have began at all. I can not trust them when strangers are coming by asking me about my property being foreclosed on when I was under the impression my modification is being processed. 

Please investigate this. Foreclosure should not be taken place. I hear this is happening all too often. I have proof of the documentation 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 monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: TX

Complaint narrative:
My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am a victim of identity theft. The fraudster made a purchase on XXXX XXXX, 2016 for {$4800.00} at XXXX XXXX in XXXX, Michigan using my Citibank credit card account. The purchase was quickly identified as fraudulent and I have made a police report to the XXXX, Michigan police as requested by Citibank. Despite this, the purchase amount is STILL included on my Citibank account plus {$420.00} in fraudulent interest charges. I have called Citibank numerous times to get the charge removed, and they say they will remove it, but that still has not happened. XXXX additional things to consider : 1 ) I live in XXXX, Washington and have never even been to XXXX, Michigan, and 2 ) the fraudster made a similar purchase on the same date with the same store using my XXXX card account. That incident was also identified as fraud and reported to the police, and the charge was removed from my credit card bill in XX/XX/XXXX. I fail to understand why Citibank can not get their act together and remove the fraudulent charge from my bill! I am complaining to you because my patient, persistent efforts to resolve this matter have gotten me nowhere.

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 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am getting frequent calls from multiple numbers on my cell phone from Portfolio Recovery Associates. I have NO unpaid debts, I have never received any mail or email from this company regarding any outstanding debt. I have blocked multiple numbers and they just call using a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: OCEANSIDE MORTGAGE COMPANY
State: NJ

Complaint narrative:
I have a delinquent tax account with my township. I emailed the mortgage company initially and got a response that did n't even address my tax situation, they simply replied by telling me of my most recent tax payment ( from escrow ) and told me to email again with further questions. After a few days, I called the servicing department and got someone on the phone. There was nothing she could do, but gave me an email address for the " delinquent tax '' department. I emailed them and got an auto response that said I should receive a reply within 24 hours. That was XXXX XXXX. As of today, XXXX XXXX, I have n't gotten a response. I have been in contact with the person who processed my loan ( loan officer ) and she has been very nice, but still nothing has been done. A few days ago, I emailed servicing department again and got another generic reply but this time it said the status of my issue was " solved '' even though nothing has changed. There is plenty of funds in escrow to pay my delinquent tax. It is nearly {$1900.00} including almost {$40.00} in interest. A portion of this past due amount is from the XXXX of 2016 and will soon go into tax sale, at which point a lien will be put on my property. I have been trying to get this resolved for several weeks now. I have requested to speak with a manager on several occasions to get it straightened out but that does n't seem to be an option. The last thing I was told was that they would get back to me within 4 business days ( that was Wednesday evening ) and I have n't heard from them as of XXXX today XXXX XXXX. All I 'm asking is for my taxes to be paid by my escrow account and paid accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
In XXXX XXXX I received a copy of my credit report. My credit report is stating that I have XXXX separate accounts, with collection balances, each with a different account number and a different amount owed to Portfolio Recovery. The account numbers and balances owed are as follows : Acct # XXXX for {$630.00}, Acct # XXXX for {$500.00}, Acct # XXXX for {$450.00}, and Acct # XXXX for {$740.00}. All XXXX accounts appear to be opened on or about early XXXX. I have never had an account with Portfolio Recovery nor do I owe monies to Portfolio Recovery. I have sent XXXX separate letters, over a 49 day period, asking for validation of said debts. I have not gotten a single response, for the alleged debts, from Portfolio Recovery. My credit report was marked " disputed by consumer '' but I did not receive any information from the collection agency. I am not aware of any debts incurred with Portfolio Recovery. I was separated from my estranged husband in XXXX and divorced in XXXX and I do n't know if these alleged accounts were obtained under false pretense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I voluntarily gave my vehicle back to the company that was financing it after year you 're not really responsible for the debt is really been three years and I do n't know how do you can take XXXX points when you volunteer to give the car back from my credit report how can you XXXX come up with this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against CHASE because of their predatory lending practices reporting negative item for last 9 years and selling my social security # and date of birth to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank has a card called XXXX I applied and got the temp, card someone in Texas tried to send me money on it then Chase cancelled my card and said I could n't do any business with them any more. No reason for it at all this showed me the thing is a fraud and need 's to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My wife, XXXX XXXX XXXX, has mortgaged our home to " Chase ''. Property address : XXXX XXXX XXXX, XXXX, Mi XXXX. Chase Loan No. ending in " XXXX '' .Our regular monthly mortgage payment amount is {$410.00}. On or about XXXX XXXX we made the arrangement to have that amount drawn from our " My Personal Credit Union '' checking account, and that arrangement was confirmed with " Chase ''. On or about XXXX XXXX a " Chase '' letter dated XXXX XXXX, 2015 was received by us stating among other things that due to a credit of {$170.00} against our account our payment for the month of XXXX would be {$240.00} ( the basis for the credit was not disclosed ). We thereafter made arrangements with " Chase '' to have that amount withdrawn from our account for the XXXX payment as that letter stated. Thereafter, a letter was received dated XXXX XXXX and another dated XXXX XXXX from " Chase '' stated a payment of {$410.00} would be withdrawn from our bank account for the XXXX payment. We immediately called " Chase '' -spoke to a representative and confirmed the payment of {$240.00} ( confirmation # XXXX. ) We now as of XXXX XXXX XXXX have received credit call from " Chase '' demanding $ XXXXXXXX/and no explanation of the " credit '' disclosed in the verified " Chase '' letter of XXXX. XXXX phone calls to " Chase '' since the XXXX XXXX " draw date '' have accomplished no settlement ; but a repeat of the demand for the Regular monthly payment. We surmise that the " credit '' was a return of Attorney fees assessed against our account for foreclosure actions taken by a law firm in XX/XX/XXXX/XX/XX/XXXX 2015. Undoubtedly Credit Agencies have been informed of a missed monthly mortgage payment for XXXX 2015 with the negative effects thereon. We believe " Chase '' has violated the Fair Debt Collection Act. We want our account audited with a Report issued thereafter and all credits due placed on our mortgage account, credit accounts and payment of any applicable penalties assessed against " Chase '' and in our favor. We have tried to resolve the matters with " Chase '' by phone and have accomplished nothing another than repeats of demands for late payments to be made. Thank you for working your way through the details of this administrative nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
So I purchased a car from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, FL XXXX, I got fianced by West Lake Financial, I paid my down payment to the dealer which XXXX, first payment was due until XXXX, I was late due to the fact my mom had got sick and I had to travel home for her. I told West Lake that they decided to return the deal to dealership, well it got really heated between me and the dealer but I did make a payment to West Lake to keep the deal and they gladly accepted. I even had to provide my mom medical records just to show them my mom was really XXXX and has been XXXX since XX/XX/XXXX. After that I paid the car up for XXXX months. Well the XXXX month came and all I had to do was pay XXXX dollar difference I told them that I was in New Mexico on a XXXX with the XXXX XXXX And I would take care of the payment when I came back due to the fact I do not travel with my personal banking information on me cause I had my idenitiy stolen and also I had no cell phone signal. I made an arrengement to pay everything when I came back and they said ok that will be fine, while I was gone the following morning the car was gone my wife told me. I called trying to talk to them to see what I could do and no one would give me answers West Lake told me to call the dealer they were very rude to me and my wife. I decided to let my lawyer take care of it and they would not respond to him either. Recently I saw they sold the car. I did not want to talk to them cause of the pass issues, I feel like I am getting scammed they had no problem taking my payments but still returned the deal they could have had they car back if it was going to be like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a checking account with Chase Bank. I selected to not have over draft protection but instead if the funds are not in the account they are not to pay but to deny charges. On XXXX/XXXX/2017 charges from XXXX were presented for XXXX and XXXX ; Chase Bank paid these charges and then charged me XXXX NSF fee, after being instructed to never pay anything if the funds were not in the account. They are stating that the fee is a reocurring fee, even though I am only charged by XXXX when I purchase items and it is not reocurring. They credited back the NSF charge and the service charge but have not taken the XXXX and XXXX charges off my account and charged the merchant back. I am very upset over my instructions on my account were not followed and feel if they have done this to me, there are surely others which is adding up to a lot of consumers being ripped off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I first reported illegal use of my identity a little over seven years ago and a consumer fraud alert was placed on my account, the accounts in reference dissappear and show up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority
State: WA

Complaint narrative:
ServiSolutions is my servicer. They paid taxes of {$3300.00} on XXXX/XXXX/XXXX for parcel # XXXX. My tax bill for XX/XX/XXXX was {$590.00} and my property parcel # is XXXX. This error created a negative balance in my escrow account. I received my statement and contacted them in XXXX XXXX to correct the error. It was not corrected until XXXX XXXX, XXXX when they paid {$650.00} on the proper tax parcel. This payment came out of my escrow account and included a {$45.00} penalty for late payment and {$23.00} interest charge on late payment. 
They did an escrow analysis at the beginning of this year and determined I owed a lot of money for the negative escrow balance which was inappropriately withdrawn. The escrow payment has gone up to {$490.00} a month from {$110.00} a month in order to fund the inappropriate disbursements. 
I have contacted them multiple times to fix the escrow account and my payment. They are telling me they will not credit my escrow for the amounts they fraudulently disbursed but are waiting for the county to refund them the first tax payment. Until then, they will not adjust my payment to the appropriate amount and will not accept any payment other than one that includes funds to cover the negative escrow.

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