vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On my Wells Fargo Credit card ending in XXXX I had a credit balance of {$200.00}. I requested the {$200.00} balance be refunded to me either by check or transfer to my wells checking account. Wells fargo processed the refund of the amount owed to me to my checking account, but then charged me {$10.00} to refund the balance due to me. This was not a cash advance, this was a refund. I requested the {$10.00} fee they charged me to be credited, they stated they would credit the fee, then never did. 

From : Customer Service Sent : XX/XX/2019 XXXX XXXX  Subject : Re : RE : Re : RE : Re : Account questions or requests (  XXXX ) Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and I appreciate the opportunity to respond to your email. 

I would like to assure you that your concerns have been escalated to the highest level of email. 

I understand your concerns regarding the {$10.00} cash advance transaction finance charge posted on XX/XX/2019 for a cash advance to the checking account ending in XXXX. 

Because you are a valued customer, I credited your account in the amount of {$10.00}. A credit will appear on your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
This mortgage has been sold by the mortgage companies several times over the 15 years I have had it. Most recently it has been sold to Specialized Loan Servicing. On the mortgage statement there is a charge of {$460.00} for " Past Due Amounts. '' I do not know what this is for. I have called SLS several times regarding these charges. I have been told various things ( " We will investigate and get back to you. '' They did not. " You need to write a letter because we can not address this by phone. '' ) After getting nowhere after several calls, I wrote a complaint to them. They responded in a letter dated XX/XX/XXXX, that the fees are legitimate. However, they can not tell me what the charges are for. In the letter SLS sent me they said, " You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference. '' However, the document they included only showed my monthly payments from XX/XX/XXXX through XX/XX/XXXX, and nowhere in that document did it detail the origin or purpose of the {$460.00} in Past Due Amounts. I am requesting that SLS remove this charge from the mortgage because I am attempting to refinance this mortgage but I can not while these charges remain pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX  Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$82.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NJ

Complaint narrative:
I found out that there was debt {$470.00} on my credit report so I contacted the company AmeriFinancial Solutions LLC list on XX/XX/XXXX. I verified my personal info and was told the debt from XX/XX/XXXX was for a hospital. I explained that I was unware of this bill and to sent me proof. I was told that a letter would be sent to me and I could send it to my insurance. A month later I XXXX XXXX, XXXX I reached back out because I had not received any documentation from them about the debt. I was told by the company that they would not be sending any documentation until I made a good faith payment. I stated that I didn't believe the debt was mine and needed proof. I contacted the credit bureaus to debt this debt, however they keep claiming the debt is mine would out sending proof besides only verifying my D.O.B. and SSN I have not received any written communication from AmeriFinancial Solutions LLC at  all. I believe this to be fraud. This is a deceive practice to not verify and show proof but request payment. As a result my credit has been impacted. I have tried contacting the Hospital in XX/XX/XXXX directly however I am being told that the record is not longer accessible and that I must contact the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Risecredit, LLC
State: TX

Complaint narrative:
This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with Rise, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have my credit card on auto-pay with Chase through their XXXX app, and they charged me a XXXX dollar late fee. How the heck do I get charged a late fee when I have given Chase the authority to take my monthly payment from my checking account before or on the date my payment is due? What a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: ID Analytics, Inc.
State: FL

Complaint narrative:
My FICO score has been very high ( between XXXX and XXXX for the past 12 months ) so I was surprised to hear of my bad credit report/score from XXXX XXXX XXXX that SageStream provided. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that due to the bad credit report/score provided by SageStream I would be required to make a {$100.00} deposit to open add an account to my partner 's existing account. The letter stated that I had 30 days to request a copy of my report/score from SageStream. That same day, we both went online and requested our report/score -- we also froze my credit with many of the credit reporting agencies. I waited 30 days and had not received the report/score. On XX/XX/XXXX, I called the number for SageStream and left a voice mail ( since all operators were busy and the recording stated my call would be returned within 24 hours ). I waited the 24 hours and left another message on XX/XX/XXXX ( the same recorded message played and I left the same message ). The company has been non-responsive and hides behind recorded messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mediation Recovery Center
State: TX

Complaint narrative:
I filed chapter XXXX bankruptcy in XX/XX/2015 and the debt to XXXX was included in this. I have spoken to XXXX and they are aware of this, but the secondary company obtained the information and has been harassing me the past two years. They call me, my husband, and my elderly parents. They state I have committed " bank fraud '' and have " bad check debt '' that I owe. I have told the company, which identified itself as " Mediation Recovery Center, XXXX. Phone : ( XXXX ) XXXX '' in an email I recieved yesterday, about the bankruptcy. They state it does not matter and start threatening me with litigation and arrest. In the email my account representative was listed as XXXX XXXX, but today on the phone I spoke with one man ( with many names ). The last name he provided was XXXX. He said he could see where I had talked to someone before, and I said yes, re my bankruptcy. And he started on his tirade. I informed him I reported them to the XXXX, and was also going to do the same to FTC as I was tired of just blocking their calls. He said to make sure I tell them the correct business name and said " Mediation Account Recovery '', which is NOT their business name. At least not as reported on the email. So I do not really know who I am speaking too, which is what causes the issue with blocking them as well as filing a harrassment suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with XXXX, nor do I owe them any money.

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 2019-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These two collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the XXXX of Texas and speaking with an attorney about damages. 

XXXX XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXXXXXX {$82.00}

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 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
These collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

SOUTHWEST CREDIT SYSTEM Original creditor : XXXX XXXX {$82.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been communicating with Chase customer service staff since late XX/XX/XXXX about suddenly excessive overdraft fees and the timing/placement of the cleared transactions. I also contacted them about the fact that : - despite banking with them well over 25 years and actively using their mobile push and email alerts as a means of managing my account for at least 7 years, all of a sudden the alerts STOPPED coming to my phone around the time the overdrafts were hitting - I wouldn't get email notification until a FULL 24 hours AFTER the overdraft occurred - All of my recent messages sent to Chase about this issue were suspiciously deleted by them less than 30 days after being sent, when their policy is to delete messages of 90 days or older. 

I use the alert system to prompt me to make transfers before the fees hit ( by XXXX XXXX the same day ). I have been using this for YEARS with minimal issue. But since XX/XX/XXXX, the alerts have been nonexistent EXCEPT for AFTER the fees hit and ONLY if I log into the Chase app which by that point, its too late. 

I have requested several courtesy reversals Several times, because its quite obvious that something is going on internally with them as a means of increasing their fee income. They have taken HUNDREDS of dollars in fees since XX/XX/XXXX and I keep getting canned responses and overall indifference about this issue. They take fees causing a bigger negative balance, for which they can collect EVEN MORE fees. Completely predatory. 

As you all know, this behavior has been a decade-long issue with many commercial banks, and have resulted in more than a couple of class actions as a result. 

I have attached screen shots and the recent messages between myself and customer service. These are the only ones I could access since the others were deleted by them from ALL of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21 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: MN

Complaint narrative:
looking to purchase a home and upon reviewing my credit report, I became aware of inaccurate or fraudulent information. I have asked each credit bureau to verify and remove all inquiries and negative reporting items on my report as they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MID-ISLAND MORTGAGE CORP.
State: NY

Complaint narrative:
Our mortgage is with Mid-Island Mortgage Corp . 
On XX/XX/19 we received our Annual Escrow Account Disclosure Statement. 
The XXXX taxes had a RELEVY-PRORATA due to the purchase of the home and the four month balance of taxes because the prior owner had exemptions. Which added up to {$4800.00}. Increasing our taxes from {$14000.00} to {$19000.00} for the XXXX tax year. Which was paid. This is a one-time charge to cover the relevy. 
After talking with the Accessor office for Mid-Island Mortgage they asked for me to obtain a letter from the town showing the Taxes being paid and that it was a one-time charge. The Town Of  XXXX sent a letter showing the amount, the taxes paid and stating it was a one-time charge. The mortgage company received the letter on XX/XX/XXXX at XXXX. Receipt reference # XXXX. 
On XX/XX/19 we called the mortgage company asking for a revised bill with the correct amount and they informed us that they will not make an adjustment because there system shows the taxes are {$19000.00}. Unfortunately common sense is not that common. They believe the taxes were raised {$4800.00} in a year and there is no thought of the exact amount of the increase is the same as the one-time RELEVY-PRORATA. 
We asked if we can make the correct payment on the mortgage till they figure it out and send a correct statement. They told us no and if we do, the funds would be returned and they will report it and cause our credit to be affected. 
We have reached out direct to the Mortgage provider and they tell us they cant do anything because we are dealing with their process center. Which makes no sense since they hold the mortgage and we are still the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
XX/XX/2019 My wife was contacted, they proceeded to provide her my SSN so she could verify she knew me, instead of asking her to tell them my last 4 of my SSN, after that they proceeded to goad her by threatening to have us arrested, thrown in jail, seize our licenses, and take away all of our property. When she attempted to explain she isn't a party to this debt as it was accquired 6 years before we got married they told her it doesn't matter, Texas is a community property state and she is guilty of my crimes and she will be punished along with me. I had to give my wife XXXX  last night as she is a XXXX patient and they way they spoke to her made her nearly go into XXXX  XXXX. 

XX/XX/2019 I was contacted originally by this debt collector and informed that it was a federal student loan, which i checked and verified it was not possible with the DOE, I did not have a federal student loan and could not owe on one. I was promptly informed that the government doesn't know what it's talking about and if I don't pay they will take my licenses, my bank accounts, have me arrested, and ensure i can never get another job again by making sure it was known I was a thief. I was told they did not have to provide proof of debt owed because i should have kept paperwork from 10 years ago about a debt I was told I don't need to worry about when the school got shut down by the DOE. I was informed they would be sure to laugh at me in their office for arguing with them and telling them its not a federal student loan. I was pressured into handing them finical information which i promptly canceled, i only provided a debit card to be charged at a later date to get the phone calls to stop.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I obtained a Smile Generation credit card from Comenity Bank about 5 years ago which has been, maybe 6.I became concerned when I reviewed my statement, and discovered that % 50 of my payment, was going toward interest, and % 50 to principal.I knew this was wrong, so I contacted them and question about this  consistent pattern.It does not make sense, the contract does indicate this, and if it had I would not have accepted it.I was not given a reasonable explanation.I asked for a copy of my beginning balance, and was told we don't have one, in our system, it is stored away in our warehouse.I have been paying on this bill for years, and don't know what the beginning balance was.I lost my copy, and they will not supply me with one.Comenity also changed the interest rate, to what I don't know, because as indicated it has always been % 50 on my bill.It is taking years to pay this bill, if I pay more than the billed amount, they still apply % 50 to interest.I contacted the XXXX  in their area, asking them for my payment history, and a copy of the original billed amount from XXXX XXXX , they didn't comply, they said they would within 30 days.These people are scamming me, and I want it stopped.Their refusal to supply with my billing history, and payments, including the original billed amount is evident they are deceptive in doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The information this company says I have XXXX XXXX Credit Card never received in the mail this say I have account with them of XXXX put on my credit file the company should contack the my law frim not me or put on my credit file.

Company response to consumer: Closed with explanation