vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I got a mortgage on my Mom and Dad 's home to help pay debt. The loan paid of some debt and the rest covered the mortgage. The loan was with my parent 's bank XXXX XXXX XXXX XXXX XXXX. The mortgage was for : Principal and Interest {$740.00} Flood insurance XXXX Mortgage Total : {$790.00} **Please note that hazard insurance, PML/FHA, Taxes and other were NOT apart of the loan as my parents are on fixed incomes and could NOT afford it. I pay their taxes and homeowners insurance seperately as I have proof of that. 

XXXX sold the mortgage to XXXX who at one time tried to collect the escrow for taxes and homeowners, but I sent them the original loan documents and they corrected it immediately. 

XXXX sold the loan to XXXX XXXX XXXX and since XX/XX/XXXX, I have been trying to get the to stop trying to take the escrow for Taxes and homeowners. They have received proof that I pay the taxes in XX/XX/XXXX of every year and this covers the payment due in XX/XX/XXXX and XX/XX/XXXX, I have also sent them records that I pay the homeowners quarterly. I was originally told to just pay my original amount until they get it straightened out, So that is what I did each month I pay the payment of {$790.00}, then in XX/XX/XXXX they put payments in suspense, moved our payments to escrow and made it look like we were late on payments. Finally in XX/XX/XXXX I talked with another supervisor who said once I paid the amount of {$3600.00} which would bring account current ( even though we were current but they were putting our payments elsewhere ) the problem would be fixed within a week and we would get the escrow money back ( WHICH WAS MONEY I WAS GOING TO PAY TOWARDS MY MOTHERS FUNERAL EXPENSES SHE XXXX XX/XX/XXXX ). But again they lied and refuse to abide by the original mortgage loan. I have provided them with all 3 years of tax payments, documentation to show that I also pay homeowners. XXXX county also always returns their money to them and they have a note not to accept their payments. Now it is XX/XX/XXXX and they expect me to pay a payment of over {$1100.00}, which is way more then my Father has from is pension. WE DESPERATELY NEED HELP!!!

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 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX, I received a {$1500.00} loan check from XXXX XXXX XXXX XXXX and then I deposited via the Bank of America mobile app. After doing so, I see that there is a 12-day hold on the deposit. 

I call the Bank of America customer service number, where I am told that, since I still have the check, go to the bank on Saturday morning and see if the local branch can at least make {$200.00} available.since. 

The following day I do so, but to no avail. Now, I have no way to pay my rent and utilities until the hold is lifted. Meanwhile, I will rack up a {$100.00} late fee on my rent and my electric service will be disconnected on XX/XX/XXXX at the close of business. This 12-day hold is onerous and goes beyond the standard hold time.

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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good morning/evening, On the following dates of XX/XX/XXXX and XX/XX/XXXX Jp morgan Chase Bank and Chase Bank Usa, N.A filed 2 separate hard inquiries on my credit report where I never authorized such inquires. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc.
State: OK

Complaint narrative:
Saturday, XX/XX/2018, XXXX XXXX. After repeated calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I called them back in an attempt to find out what the nature of the debt they were calling about was. After several minutes talking to XXXX XXXX where she got my information to make sure of my identity she finally told me they were a debt collection company and trying to collect a debt. This was after she questioned me about my identity. 

I asked what the debt was several times and was never told. I asked for a supervisor and again they began asking me my name, dob, social security number, address and phone. I declined to give the information again and was hung up on. 

I can't verify that this is a legitimate debt as they will not give me any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: VIRTUOSO SOURCING GROUP, LLC.
State: WI

Complaint narrative:
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX this was discharged in XX/XX/XXXX. Virtuoso Sourcing Group somehow obtained the account I included in bankruptcy with XXXX. So both names where listed on the Chapter XXXX filing. Shortly after the discharge Virtuoso Sourcing Group starting reporting that I had an " open '' collections account with them in the notes it says included in bankruptcy. The way they have this written is not typically seen by a creditor, they see I have a open collection account. The way Virtuoso Sourcing Group is reporting this hurts my score. I have tried over the past year and have to try your correct this matter with the company directly either by phone or via disputes with the credit bureaus they have been 100 % on willing to correct the matter and have threatened to reports this account several times on my report she make it appear that I have numerous corrections accounts. I want Virtuoso Sourcing Group to remove this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My student loan provider is currently Navient. I have been paying my student loans for approximately 5-6 years now and have never missed a payment with them nor any other creditors. In addition to that, my interest rate w/ Navient is 5.75 % on both my subsidized and unsubsidized student loans ( fixed rate ). With that being said, I noticed when going through my payment history that they are applying my payments very inconsistently when it comes to interest and principal. For example, my due date is the XXXX of each month, on XX/XX/XXXX I made a payment before my due date in the amount of {$380.00}. {$170.00} was applied to principal while {$210.00} was applied to interest. On XX/XX/XXXX I made another payment of {$380.00} ( before my due date ) and {$130.00} was applied to principal while {$240.00} went to interest. That's a {$32.00} difference applied to principal. How is there such a substantial difference from month to month when my rate is fixed? It's bad enough that I began making payments towards my student loan in XX/XX/XXXX and none of my payments went towards principal until XX/XX/XXXX. I have attached my full payment history below which has been exported directly from the Navient website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
This debt should have been included in my bankruptcy. It should be removed from my credit report. See page 15 of the attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
Good morning/evening, On the following dates of XX/XX/2017 XXXX  filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.

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 2018-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card currently charges 28 % interest rate and refuses to lower it. They say this is the lowest apr available but no other card I have is like this. XXXX XXXX card is unethical and charges as much interest as a loan shark. When I try to get this lowered they send me the same form letter no matter what I ask or say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: Innovis
State: FL

Complaint narrative:
Good morning/evening, On the following dates of XX/XX/2017 XXXX filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good morning/evening, On the following date of XX/XX/2018 XXXX XXXX   XXXX filed 2 separate hard inquiries on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hippa Violation!!! I never signed anything too release my information too a collection agency and or 3rd party

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 2018-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Honda Financial Services refuses to furnish me with the proof that the wear and tear fees were billed and I had 30 days from XX/XX/2011 to make a payment in the amount of XXXX Honda Financial Services states that these are end of lease term fees. These were fees created after agreed upon 36 month lease was complete and car surrendered. I'm the consumer requesting proof of new agreement terms that will reflect when the payment of XXXX is deemed due and deemed late. 3 request have been made and I only received payment was payed 60 days late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good morning/evening, On the following date of XX/XX/2018 Wells Fargo filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.

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 2018-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
Checking my credit report. I noticed that XXXX XXXX was showing on my report in the amount {$440.00}. 
Contacted AWA to request legal document showing my proper signature saying that I was the owner of the debt. 
AWA mailed me some printout show my name and address on it, I informed AWA that a printout was not consider any legal document and please mail me all the legal documents bearing my signature on it, saying that I owed {$440.00}. to XXXX XXXX. 
I have been contacting AWA numerous times to correct their error along with XXXX, XXXX and XXXX to resolve this matter. 
AWA Collections is still reporting this negative account to all credit agencies, this has cause a financial hardship upon me ( Higher payments ). 
XXXX has not given me any legal documents showing my signature upon it, XXXX stopped all communication with me, after I requested legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, my TD Bank debit card was charged {$84.00} by XXXX XXXX in an unauthorized transaction. 

I immediately messaged TD Bank and asked them to deny the transaction and credit me the debited amount. 24 hours later I was messaged that I was required to go to a TD Bank branch and file a " Form XXXX '' I asked TD Bank to fax or email me the form to fill out ; they messaged me " no can do. '' I explained that I live 50 miles from the nearest TD Bank branch and that I am unable and unwilling to drive that distance. 24 hours later I was messaged to call the phone number to have a customer service person fill out the form for me. 

I tried calling the TD Bank phone line but on each of several attempts was told " the hold time is in excess of ten minutes. '' After my first hold went 20 minutes I hung up and messaged TD Bank again with this complaint. 

I have been a customer of TD Bank for many years. Although the folks who messaged me were in every way polite and respectful, they insisted this is the only way to dispute a transaction. Interestingly, XXXX XXXX has a link on every transaction to dispute it. 

I am still without the {$84.00}. 

Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Last week I received a letter from my bank that we had reached the 80 % loan to value amount, I was under the impression this is the amount where private mortgage insurance ( PMI ) is no longer required. Further, the letter stated we must have a good payment history, we do, reach 78 % for the PMI to automatically drop off, and proof that the property value has not declined. I called the mortgage company, Wells Fargo, to see if they would cancel the PMI and they require an appraisal ( purchased through Wells Fargo ) to prove the value has not decrease or pay on the principle to reach 78 %. Ive been looking forward to not having to pay the PMI on our mortgage because it is a significant amount. And now that we have reached the 80 % required to drop the insurance, Wells Fargo is nickel and diming us by not cancelling this insurance. Since we can not afford to pay 2 % on our principle or purchase their appraisal, for no good measure, we are forced to pay for insurance not required by the HPA guidelines. I have not been satisfied with Wells Fargo on many other issues, personally and publicaly, however this is an unfair situational where the bank is taking advantage of consumers and warrants a complaint. Thank you for reading this, hopefully it sheds some light on the subject. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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:
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax experian and transunion on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.

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 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Some one put a fake check in my account and Wells Fargo wont do anything about it and telling me its my fault and closed my account. Its tjerw fault for releasing the funds. There was something I did see on there damage credit I have no idea what that is. I contacted the police and made a report with 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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax XXXX and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to XXXX experian and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.

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 non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX reporting on credit report however never did business with any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened an account with Wells Fargo after seeing an advertisement for a {$200.00} bonus after making 10 transactions with the account each month for 3 months after opening the account. I opened the account, made all the transactions, and still have not received my bonus. I completed the transactions on XX/XX/18, and the terms of the offer were that after completing the terms, the bonus would be deposited within 45 days. It has been 54 days, and I still have not seen the bonus. I know Wells Fargo has a history of not treating customers fairly and misusing information, but this just seems unfair when a company refuses to honor the bonus.

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