vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was left a message that said if i didn't answer the call from this unknown number after three attempts they would be contacting my payroll and HR department. I then called the number and they stated that I owed us bank approximately 1,700 dollars. I told them i knew nothing about this so they emailed me a affidavit for identity theft requesting all kinds of privy information from me and said I had 2 days to complete it. At this point I called them back to find out the companys name and address and proof that they owned this debt and they would not give me any more information.

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 2018-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I have submitted EVERYTHING requested of me in the processing of this loan. Thus, meeting FHA guidelines. The underwriter has unjustly disregarded my current base salary XXXX income and has stalled the processing for my FHA loan application. I have improved my financial situation by obtaining a new job which pays substantially more than my previous self-employed business and my business experience in Entrepreneurship/upper management carries over. Underwriting wants me to wait 6 months which isn't an FHA guideline from all the research I done. 

I feel like I am not being given the same opportunity to qualify for a mortgage as other borrowers are. I have never had a gap in my employment and my current XXXX income should be used. I provided an offer letter and the VOE has been completed by my employer. I have been paid and I have provided my paycheck stub as required. In fact, I have met all conditions and the underwriter is bias and applying his/her personal agenda vs. applying the guidelines that are set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank purchased my mortgage from XXXX XXXX. With XXXX XXXX, we paid the yearly insurance and property tax ( escrow ). US Bank set up an escrow account and raised our monthly payments at an amount of twice the known amount of taxes and insurance, refunding us XXXX dollar for XX/XX/XXXX. For the year XX/XX/XXXX, our taxes and insurance increased by XXXX dollars.  US Bank increased our escrow to reflect the Exact amount needed for taxes and insurance ; however, decided to charge us an additional XXXX dollars a month to " build in a cushion. '' After being hung up on, transferred and speaking to two different supervisors in two different departments, they both told me that " it is their right '' to " build in a cushion ''. How is it ok for a bank to force me to pay them " cushion money '' when I already pay them interest on the loan. Of which a loan that I never applied for with them. XXXX XXXX   did not have a " cushion '' requirement in their mortgage agreement, how can US bank purchase the agreement with no notification to me and modify the original agreement without my consent. When I asked to pay my own escrow account, I was told that I would incur a fee of one percent penalty of the original loan amount. They raised my monthly payments by XXXX  dollars a month for a XXXX dollar increase in escrow. I have made two requests for an itemized explanation and both times I was informed that it was sent out " a month ago. '' They have my mortgage, so I know they have the correct address ; however, I sill haven't received anything in the mail except a new bank statement demanding additional money and an outline of penalties if I send them my money late. How it is legal for a bank to extort money for a " cushion '' because its " their right '', in the mean time they build interest on my money, only to send me a check for the extreme overpayment, several months after the close of the fascial year. Had I known US Bank was going to buy my loan, I would have immediately refinanced when the interest rates were still low. Now my only options are 1 ) refinance at a higher interest rate and pay refinance fees. 2 ) stay with US Bank and continue to have them increase my mortgage for their make believe " Cushion '' 2 ) Pay US Bank a ridicules fee for the privilege to use my own money to pay my taxes and insurance. The most frustrating part of this is how smug US Bank customer service is, telling me it is " their right '' to simply charge me a " cushion. '' I have never missed a payment, I have even made extra payments. I even have a credit score of over 800.

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 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Today ( XX/XX/2018 ) I was trying to purchase tickets for a concert on XXXX and I got scammed twice. Both scammers requested I sent money through XXXX.

1st payment to 1st scammer was {$100.00} ( for one ticket ). I have a phone number and email address.

2nd payment to 2nd scammer was {$300.00} ( for two tickets ). I have a phone number, email address, and Driver 's License.

Wells Fargo uses XXXX   so I thought I was protected and this was a trusted platform. Unfortunately I didn't receive any tickets from both scammers and Wells Fargo refused to help but recommended that I file a police report, which I did and I have the case number. I also emailed XXXX support but I don't expect to get any help from them based on what I was reading. I also filed a complaint with XXXX.

Can I be advised on what consumer protection I have in regards to this matter?

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 2018-06-15 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: NY

Complaint narrative:
There is a hard Inquiry from XXXX XXXX aka XXXX that is on my reported XXXX told me they would do a soft Inquiry for a credit line increase but they processed a hard Inquiry I contacted them about this they stated they would inform Equifax to remove it it would take 30-60 days that was back in XX/XX/XXXX up until this day it has not been removed and equifax refuses to remove it I will attach documentation and proof There is also another unauthorized Inquiry on my equifax file from XXXX XXXX  aka XXXX that should not be on there I have no account with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXX XXXX has made repeated phone calls to several family members and XXXX friends. They already know my direct contact number. They have already spoken to me and my father, who has assured them we are trying our best to fix this. They started calling before I had even graduated. They are aware I do not currently have a job. They call my entire immediate family several times a day for weeks now. Then the started calling my XXXX contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I happened to look on Maryland Case Search website and saw that XXXX XXXX, XXXX has filed a lawsuit against me. I never received any notification in the mail giving me the option to dispute the validity of the debt. I also saw on Maryland Case Search that a hearing is scheduled for XX/XX/2018, I was never served any documentation and would not have been aware of the lawsuit if I had not looked on Maryland case search. The address they have as my address is XXXX XXXX XXXX, XXXX, MD XXXX, I'm not sure where they got that address from, because I don't reside there nor have I ever had any mail go to that address. The address is not deliverable for me through the US post office. I would like to know if papers were served who did they serve the papers to and when, because I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
In XXXX I had to move from XXXX XXXX XXXX in XXXX XXXX  because the apartment community decided to dig up the parking lot to begin building another apartment building slated for opening in XX/XX/XXXX. Because of this inconvenience I had to move out because I am a single woman and can not risk my safety by parking in a lot 5 or more blocks from the apartment community. Instead of them allowing the move with no fees owed due to this huge inconvenience, there has been a debt owed of {$3700.00}. I disputed this debt in XX/XX/XXXX with the XXXX because it is unfair and unreasonable my rent was $ XXXX monthly. I am unable to move to an affordable location because of this. So how can they expect me to pay them? As a result of my request In XX/XX/XXXX, this company removed the collections off of XXXX and XXXX  credit reports but not XXXX. I then made another complaint. XXXX  of XXXX, XXXX  has all correspondence. I am filing this complaint again on XX/XX/XXXX because this company added the collections back on my credit. So illegal and unfortunate because I am trying to move.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX is on my credit with a monthly fee of {$440.00}. It is in good standing but it is not my account. It shows that it was open in XX/XX/XXXX and has been paid each month, not by me, it states that my responsibility is co-signer. I have not co-signed any loans for anyone. It is labeled as an unsecured loan, valued at {$15000.00}. Last payment was given as XX/XX/XXXX. 

On XX/XX/XXXX, I called the company at number given ( XXXX ) and was directed to call XXXX. Spoke with the representative and she tried to locate an account in my name, she was unable to locate anything with my information. I lived in XXXX XXXX, XXXX , until XX/XX/XXXX before moving to XXXX, XXXX. The representative directed me to this website and told me to file here and it will be taken off my credit. 

The company information is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
Beginning of XX/XX/XXXX, I am receiving calls from XXXX, XXXX, XXXX numbers along with numerous other numbers. By XX/XX/XXXX, a call is placed to my spouse phone claiming they are FAM and that I gave them his reference number. They do not specify who they are or anything of that nature. By XX/XX/XXXX, I call them back around XXXX PST and I am speaking to an unprofessional, rude, and ignorant agent of FAMS. He goes off telling me he is representing XXXX and they want to settle for a certain amount, asked if I had it, and went off asking how I make my living. There was no discussion that they sent a notification or anything. Or that I am able to go online with account number to check out any notification from them. Then, I am asked for my banking information and told they will be deducting {$250.00} for 4 months and the interest will stop. From all of this, I am not sure who these people are because I never received any written information and will not be giving any information over the phone. After that conversation, I asked if I can start in XX/XX/XXXX. The rude boy gets upset and say well I just have to. Let XXXX know you are not able to do it. The approach was very rude and in a attacking matter where no options were given. After the conversation with this rude individual, I receive 3 more calls with the numbers listed above. I need to see written information and options for me to believe this is what is going on. Being rude and ignorant will not help these people get a reaction or settlement from anyone. To make it worse, there was no notification what so ever. This can be a company out of a basement collecting from individuals. Nothing else was explained. The harassment continues with them on the daily with 4 or 5 calls a day.

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
FLAGSTAR BANK Account number XXXX ... .- reported a 30 day late to the credit report when in reality the property was sold and payment in full was received by them before the end of XXXX!! this has caused a great damage to my credit. And in my numerous attempts to resolve this issue with Flagstar all I received was computer generated letters stating they could not locate my file and information provided does not match their records.. total ignorance and violation of F.C.R.A. rules and regulations ...

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 2018-06-15 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: NC

Complaint narrative:
I first contacted Equifax XX/XX/XXXX to let them know there was an account being inaccurately reported by XXXX on my credit report. I contacted XXXX at the address provided on the Equifax credit report to let XXXX know that the account did not belong to me. The letter was returned to me as the address reported on the Equifax credit report was incorrect. I then contacted Equifax and asked Equifax to remove the XXXX line item since the item was inaccurate. Equifax response was the line item from XXXX showing late payments in the months of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX were verified as correct. As you can see from the attached, the address that Equifax is reporting on my credit report is the address where I sent the letter. I would like Equifax to remove this item immediately as I stated in my letter my letter to them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Last month I paid off my entire balance on my Capital One credit card. At the time, the balance reflected on the Capital One website was {$2400.00}. I paid the entire balance on XX/XX/XXXX.

A full 10 days later I was still charged {$31.00} for interest. This was not reflected anywhere on the website statement at the time that I had paid my balance. I did call Capital One to let them know this and requested a credit of {$31.00}. They refused stating that this was interest already accrued. However, I stated to them that this should then be reflected on their website for pay off. The associate agreed that this was a flaw on their website and that he would mention this to senior management. The call was escalated. However, the second individual also refused to credit the {$31.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FX Quick Cash, LLC
State: TX

Complaint narrative:
I was approved for a loan in the amount of XXXX on XX/XX/XXXX. When I contacted the company on XX/XX/XXXX the representative I spoke with told me that the system had me in the pay back twice the month even though it is suppose to be once the month on the XXXX of every month. She corrected the mistake and then told me I was approved for XXXX and that I needed to resign the agreements. I signed and initialed everything and submitted my employment verification. Later that evening on XX/XX/XXXX I called to check the status of my loan and was told that the company had withdrawn my application with no reason or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I can't open a savings account due to 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 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
While I was in XXXX, I ordered cable and Internet services with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I received XXXX XXXX and transferred to my new XXXX XXXX at XXXX XXXX VA since I work for the XXXX  XXXX XXXX as an XXXX XXXX. I requested from XXXX for the Services to be transferred from XXXX to XXXX VA. The customer service representative advised me to keep the equipment until I moved to my new residence. After moving, I called to setup service at my new residence in XXXX VA but quickly discovered that XXXX doesnt service the area. So I had to cancel the service and returned all of the equipment. The XXXX representative confirmed that services couldnt be offered at my new residence and informed me that the early termination fee would be waived on my final bill. After receiving the final bill, I paid everything but the {$250.00} early termination fee that was supposed to have been credited. XXXX applied my payment to the early termination fee on the final bill instead of the amount owed for cable and internet services at previous residence in XXXX during last part of the billing cycle in XX/XX/XXXX. Then to add insult to injury, XXXX referred my account to a debt collection agency SW Credit Systems LP even though the account was in fact paid in full. SW Credit Systems LP has been calling me day and night to collect for a debt that I dont even owe and to make matters worse, they reported the bogus debt to the three credit reporting agencies which caused my security clearance with the XXXX  XXXX XXXX to be suspended. Ive called XXXX numerous times and I was told that they would contact SW Credit Systems LP to resolve the matter and get them to remove the derogatory mark on my credit report so that my security clearance can be restored. Ive also requested from SW Credit Systems LP to remove the unjustified derogatory mark from my credit report and each time they refused. In the meantime, I can not work my normal job without a security clearance. Ive sustained damages well over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I called Transunion/XXXX to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing Transunion/XXXX  still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending Transunion/XXXX  negative updates everyday even though I closed my XXXX account. I advised Transunion/XXXX  that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.

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 2018-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a mortgage with Wells Fargo which was the preferred lender of the builder through which we are purchasing our new home. I have been told by the agent that the loan should be processed in two weeks from starting the process. I have always been very diligent about providing the required information and documentation. Almost six weeks later the underwater does not want to approve the mortgage because of some 'rules that are at his/her latitude '. I don't even know and haven't been told what the rules are, it could be that the underwriter is simply XXXX  or XXXX. They won't process the loan unless I sell my current residence, although the debt to income ratio is verified during the application and it is below the 43 % limit. The bank is very opaque to why they are asking for this new requirement and is asking us to provide a listing agreement weeks after we submitted them the required documentation. Essentially by dragging the process Wells Fargo is preventing us from purchasing a new home.

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