vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CO

Complaint narrative:
On  XXXX   XXXX ,   XXXX  , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year   XXXX  . The sellers by mistake received a notice to pay   XXXX   taxes, did so. 3 Months late r Guild  Mortgage sold my loan to  XXXX  Bank. The amount in my Escrow with Guild was {$1000.00} what  XXXX  bank received was {$710.00}. I have letters from  Guild  Mortgage and  XXXX  stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount.   In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On  XXXX   XXXX  with the help of a  XXXX   XXXX  on a  XXXX  way call they still were unable to account to  XXXX  why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have received the response from Ocwen and disagree. First I tried to get flood insurance and the insurance company told me I could not cause I was not in a flood zone the email and company are attached. You force placed flood insurance of XXXX a year even though I am not in a flood zone. You say you ca n't use my Social Security income cause it 's not showing in my account it takes 3 months to get SS after applied one or two months just to get a appointment and I did this so I can keep my house when I clearly have the income!!! You sent me a corrected assignment what is a corrected assignment which is enclosed you the signer is a known robot signer and this is 8 years after the XXXX assignment why? The trust you say I am in is not on the SEC website as being active please provide where my loan shows in this trust. Please provide the assignment from XXXX XXXX XXXX to the trust 90 days after close as referenced by the PSA otherwise this constitutes a break in the chain of title and documents are Void California case XXXX vs XXXX XXXX XXXX  supreme Ct case buyers have the right to challenge the assignment of mortgage. I asked for my accounting from XXXX-date why have Ocwen not provided this my statements never have the same numbers on it. My CPA wants to look at this!! I can not believe this company Ocwen has hurt my family and caused undue stress to me and my XXXX veteran husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America  Loan No . #  XXXX   Phone No. #    XXXX  Monday - Thursday :  XXXX    XXXX   -  XXXX   XXXX    Friday :  XXXX  a.m. -  XXXX    XXXX     Saturday - Sunday : Closed  XXXX   XXXX  Loan  No.  #  XXXX   Phone No.  #  XXXX  Monday Thursday  XXXX   XXXX  CT Friday  XXXX   XXXX  CT Saturday  XXXX   XXXX  CT  XXXX   XXXX   XXXX  Loan No. #  XXXX  I received this information on Friday  XXXX  Fax :  XXXX   XXXX   XXXX . #  XXXX  Ext :  XXXX  Mon- Fri  XXXX  to  XXXX  PST After  5 long years of giving Bank of America all the documents they requested for working out a Short Sale the S hort Sale personal finally agreed to allow me to do a Short Sale.     Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full.      XXXX  agreed to taking a loss and receiving {$2500.00} because Bank of America threw in everything they could to maximize their payoff amount and wouldnt negotiate at all a smaller amount.     Bank of America with my permission recorded every verbal transaction I made with their personal.     We still have a buyer for the house and they agreed to pay {$220000.00} and are still waiting for the Short Sale to take place.     On or about  XXXX   XXXX ,   XXXX   I called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX ,  XXXX , CA  XXXX .    XXXX  or customer service  XXXX   XXXX   XXXX   XXXX  My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full?        XXXX   XXXX  (  XXXX  ) is my real estate agent and he is still baffled why Bank of America did that unless theres something wrong and maybe they dont have the deed or something else is going on?

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I,  XXXX   XXXX  file this complaint as my right under the Fair Debt Collection Practices Act have been violated pertaining to an offer to modify a mortgage. Under a stipulation of this act from  XXXX   XXXX ,  XXXX , I must be offered a modification package, and it does not matter if the property is owner-occupied or an income property. The fact that we discovered a modification package was mailed to me in  XXXX  of  XXXX  proves that the mortgage servicer known as Nationstar Mortgage offered this modification as  a Tier II  program proves that multi-income properties are part of all national bank modification programs. I never received this modification request as it was mailed to a post office box I dis-continued in  XXXX . Nationstar Mortgage had to get the request back by mail if they indeed sent it. At all times Nationstar Mortgage knew my home address as  XXXX   XXXX   XXXX ,  XXXX , New York  XXXX . I have recently hired a law firm known as the  XXXX   XXXX   XXXX  to do my modifications on all my properties. I was able to procure a modification on my personal resident through this law center. Now my second home is scheduled for a foreclosure for  XXXX   XXXX ,  XXXX . I have no other remedy but to file for a personal bankruptcy to prevent this foreclosure from happening. Rules are now being enforced through the Consumer Financial Protection Bureau pertaining to the numerous vi olation of mortgage servicers on foreclosure protocol. I still have an open claim for principal reduction with the Office of Inspector General Federal Housing Finance Agency that  could eventually structure my mortgage debt within reasonable properly value. However, my rights have been violated by Nationstar Mortgage in its entirety. Accordingly, I make this request for intervention by the Consumer Financial Protection Bureau to enforce the recent mandates by said agency with   XXXX   XXXX   XXXX  . I was never offered a modification, and the matter should be resolved through the  XXXX   XXXX   XXXX . Accordingly, I demand that a modification offer be mailed to my home address or emailed to  XXXX  XXXX  XXXX . I believe that I am well within my rights on this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: AES/PHEAA
State: MA

Complaint narrative:
Account Name    XXXX   XXXX      XXXX   XXXX   XXXX   Account #  XXXX  I sent this organization via CERTIFIED MAIL  XXXX  items and they never responded.     Notice and Demand to Validate Debt Claim Affidavit to Prove Real Funds of Value Were Transmitted Privacy Act Request They need to remove this item from my PERSON 's credit report immediately. I will record a perfected security interest in  3x the a mount noted plus damages if they do n't remove this item from my credit report immediately.     I will also report them to the  US  ATTORNEY and ATTORNEY GENERAL for Loan Fraud and Securities Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened a  XXXX  's credit card with the persuasion from a sales clerk to receive a discount on my items for purchase with the intent of closing the account after. I do n't ever recall receiving a paper statement but did receive an email showing the balance due. I did make full payment of the amount due on the account but it was electronically received 2 days late. In addition, the account was noted as closed. Subsequent to the account being paid in full I have receive d 2 late charges  of {$27.00} each. The first was {$27.00} for being 2 days late, and the second late charge of {$27.00} was for being late on the first late fee.     I called Comenity Bank today, and they claimed they could not eliminate the late charges since the account was closed. This is ridiculous and I feel they are taking advantage of me and putting me in a credit risky situation. It is not right that they will continue to keep charging me late fees due to late fees when the account is closed, and they have receive full payment of my purchases.     Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Orchard Bank credit card in  XXXX  ( which later got sold to  Capital One  ). When I opened the card I opted for loss of income, illness etc account protection in which would pay your monthly payment up to 6 months if something happened. I had a medical issue come up in  XXXX    XXXX   in which I was unable to work. I submitted the claim and Orchard Bank did not honor the claim instead continued to report my payments late. Even though this account protection was  STILL  on my account and I had paid for it since opening my account years earlier. I was unsuccessful in getting this applied towards my payments during my medical condition and being unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: IL

Complaint narrative:
TransUnion had a computer glitch   XXXX   and again   XXXX   thus caused inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that they had illegally added. These inquires add a hardship and my rights were violated by TransUnion. Please help make TransUnion stop victimizing me. As a resolution I request that all TransUnion inquires be permanently deleted from my report as a violation took place when they were illegally added.   TransUnion told me there was only  XXXX  glitch from  XXXX  thru   XXXX   and only agreed to remove  XXXX  dated   XXXX  . I asked that  XXXX  dated  XX/XX/XXXX  and  XX/XX/XXXX  be deleted, but they refused. I am also requesting  XXXX   XXXX  dated   XXXX   to be deleted as result of the glitch TransUnion had  XXXX , which they deny happened.   Thank you for your assistance in this serious 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 non-monetary relief
Consumer complaint received 2017-05-12 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: NJ

Complaint narrative:
I dispute these Items  US  BKPT CT NJ  XXXX  FILE DATE  XXXX  Account :  XXXX  AMOUNT  XXXX  must be remove  XXXX   XXXX . Account :  XXXX  Date  XXXX    Amount  {$500.00} must remove  XXXX . Account :  XXXX  Amount $  XXXX  I was never later DATE  XXXX   XXXX   XXXX  must be remove  XXXX   XXXX   XXXX  Account  XXXX  Date  XXXX  Amount {$1800.00}  XXXX    XXXX     XXXX  Date  XXXX  Amount {$1100.00}  XXXX  ACCOUNT  XXXX    XXXX   : ACCOUNT :  XXXX  Date  XXXX  Amount  XXXX    XXXX    : Account  XXXX  Date  XXXX  Amount  XXXX  previously with  XXXX . Equifax did not compile with the State Attorney General   Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I purchased  XXXX   US Ban k issued mastercard {$200.00} prepaid cards at  XXXX    XXXX   XXXX   on   X/XX/17    . When I went to use the cards,  XXXX  of the  XXXX  cards had the funds drained off them by a person in California ( I live in Ohi o ). It is  clear to see the numbers for  XXXX  of the  XXXX  cards only vary by a digit o r two  at end of the card number. It is clear that someone ran a sequence and drained all   XXXX   cards. I have contacte d US Bank Mastercard line several times and faxed them the required documentation 3 times now and they are not helping or claiming they didnt get all the pages of the faxes I am sending. They never call back. Their lacked security ( issuing cards to one a rea in such close numerical sequence is the cause of my funds being stolen and they are not helping make it right.

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 2017-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Reference to  CFP B Complaint No.   XXXX . Complaint was closed with the comment : Pursuant to User Agreement, you must open a Dispute within 45 days after the date of payment. Your  Buyer Dispute  was initiated 123 days after payment, therefore was ineligible for this protection.     Payment was made thr ough Paypal , Inc ( Pa ymen t Services ) . In the payment receipt fro m Paypal it was mentioned as " Need to file a dispute : If you have a problem with this payment to someone in   another country, you have up to 180 days to file the dispute. '' So this complaint has to be opened again a  nd Paypal must refund the fraud transaction. See attached receipt from Paypal.
I tried to contact Paypal that time against this fraud but they say some reason and did not move forward to register my complaint. Simp  ly wasted my 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 explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
deposited business check from a client Wed  XXXX   XXXX ,   XXXX   to our business checking account.  Deposit  slip said funds available Thur  XXXX   XXXX ,   XXXX  .   Friday  XXXX   XXXX , amount not cleared in our account, and they drew money from our business savings which did not cover the amount of insufficient funds, we had a negative balance.   Went to the bank, they said our bank  ( Wells Fargo )  had a hold on the check because there were not sufficient funds in the account it was drawn on  (   XXXX   ) . I called client, she called her bank, her bank mgr said the funds cleared Wed  XXXX   XXXX . Funds were out of that account. She also has an overdraft on that account which would have covered the amount.   We went bac k to Wells Fargo, an d they can only insist that the funds are not available, yet they were taken out of the  XXXX  account 2 days ago.   So where is this 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 explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.

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 2017-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Received a letter from  Convergent Outsourcing Inc co ncerning a  XXXX   XXXX   XXXX  bill of {$420.00}. They offered a 50 % reduced payment to take care of this bill. I have lived in   XXXX    since 2006 and t ook care of all utilities when I moved away. I never heard anything from the company until today.

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 2017-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ashfield Management Services Inc,
State: FL

Complaint narrative:
I received a voicemail from "  XXXX   XXXX  '', who did not disclose the name of his organization but simply said I or my attorney needed to return his call at  XXXX  regarding case "  XXXX  '' as there was a " complaint pending against ( me ) ''. The call actually came from a local area code that matched mine. I returned the call and was advised the company is called " AMS ''. When I was transferred to  XXXX   XXXX  I asked him for the address of his company. He replied by asking me what I was sending and I reminded him that he is obligated to disclose his company 's full name and address, which he then did as fast as he could. He advised he was with "  Ashfield Management Services  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY ''. He then advised me that he was calling about a defaulted payday loan and a " bad check ''. I replied that I had not written a bad check and he spoke over me and said " sure you did, a bad ach ''. I advised  XXXX   XXXX  tha t 1-I have a bankruptcy attorney that he needs to speak to as opposed to me and 2-payday loans are not even legal in my state. He demanded my attorney 's information. I began to g ive him the information and he spoke over me stating it is my attorney 's job to call him. I advised him that I have not received anything in writing about the alleged debt and that he is not to contact me again as he has been put on notice that I have an attorney. He spoke over me and refused to let me give him my attorney 's information despite his legal obligation as a debt collector to communicate with my attorney only as he has been fully retained.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation