vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
Seterus, Inc. took over my mortgage loan. I have had problems with this company for several years. They told me for a very long time I had missed a payment, after sending them all of my bank statements to prove that I hadn't missed a payment, they found out they applied a payment of mine to the principal amount, not my mortgage payment. I have been told I was late several times when I mail my mortgage check to them several weeks early. I have been told that I've missed payments and been late and have to continue to scan them documentation to support that they have cashed my checks. I have tried to refinance with a new mortgage company but I also have problems with this because Seterus does not report any payments to the credit bureau.

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 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Back in XX/XX/XXXX, my wife and I were struggling to pay our two student loans and I contacted AES to find out what can be done. I was contacted by an agent that told me our best bet was to consolidate our loans. Based on his advice, we did, only to find out that it effectively made our situation much worse. XXXX is the servicer of our consolidation loan, which currently sits at 7 % and despite several attempts to reduce this percentage, we were told we were given one chance but a late payment took that opportunity away. Additionally, by consolidating, I took away my qualification for Public Service Loan forgiveness program ( I have worked in XXXX XXXX in XXXX since XX/XX/XXXX ). This was NEVER disclosed to me during the sales pitch to consolidate our loans. It has now been over TWENTY FIVE YEARS since I first started paying on my student loans and over 12 since we were talked into consolidating - and our principal has actually gone UP significantly since the consolidation. I want answers and I want retribution for all the money we have paid into our loans without seeing any reduction of our principal balance. 
XXXX and its representatives ( and I blame AES services too ) misled us and we have been paying for it - literally - ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: U.S. BANCORP
State: CA

Complaint narrative:
I received several alerts ( from XXXX & XXXX XXXX ) that changes were being made to my XXXX credit file. After checking it out I found that XXXX XXXX ( I do not do business with them ) had made inquiries, and had changed my Employer to " XXXX '' a company I had never worked for. 

I called XXXX XXXX  immediately and they told me that they had issued two credit cards under my name ( I did not apply for them ) but had closed them already due to fraud. The information provided for the fraudulent credit cards was inaccurate ( new employer ) and out of date ( they used an old address ), but still XXXX XXXX  issued fraudulent credit cards and " updated '' my credit file with inaccurate information. 

A few days later I received the attached letter from XXXX XXXX ( note that the letter does not say " XXXX XXXX '' anywhere -- the cowards are trying to hide their mistake. ) XXXX XXXX  did nothing to correct the changes made to my account. I changed my XXXX   credit file back myself ( deleted " XXXX  '' as employer ). 

A week later, I received another alert that additional changes were being made to my XXXX  credit report, and that my XXXX XXXX had lowered 11 points due to excessive credit card balances. That change was not caused by my credit activity. I called XXXX XXXX again and was told that they " couldn't help me ''. 

XXXX XXXX is an incompetent bank and should not be allowed access to people 's credit files. I hope they go the way of XXXX XXXX soon ( {$1.00} billion+ penalties, etc. )

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 2018-05-10 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: NJ

Complaint narrative:
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.

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 2018-05-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX county that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good afternoon. 

I deposited a check in the amount of {$3600.00} to my Fifth Third Small Business checking account on XX/XX/XXXX. The funds were withdrawn from the source account on XX/XX/XXXX. Fifth Third has placed a hold on my check because they say my account has overdrafted excessively in the past. It is my understanding that they may choose to hold my check for up to 10 business days, but they may not draw the money from the source account ( a XXXX XXXX business account ) until they allow the check to clear.

I have attempted to contact Fifth Third business banking customer service on three separate occasions about this issue. The first time, I was hung up on directly after explaining my issue. The second time, I was transferred to dead air, where I waited for five minutes just to be sure someone was not coming on the line ( they usually have music or talking on the line if you are on hold ). The third time, the woman told me my phone was breaking up and she could not hear me - I was on a cell phone, true, but I had full signal ( 4 bars on my XXXX ) and I am doubtful about the veracity of her statement based on my previous experience using the phone in the area. 

I would like to know if this is truly illegal, as I was informed that it is illegal by employees at XXXX XXXX bank when I inquired as to the status of the funds being withdrawn. I would also like to know if this is a systemic issue. I think it could be, because most of the time people who are told the hold on their funds is due to overdrafts in the past would be ashamed and would not pursue the matter further. Also, there is not usually clear communication between parties as to exactly what date funds are withdrawn from the source account. Finally, if this is truly the law, I think most consumers are not aware of it, as I was not until now and I consider myself fairly well-informed about financial matters. 

Thank you very much for working with me to resolve this issue. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I previously submitted a complaint ( XXXX ) on XX/XX/XXXX about an erroneous payment in the amount of {$450.00}  posted on XX/XX/XXXX. I originally called Chase Bank on XX/XX/XXXX to schedule a payment on XX/XX/XXXX. I am now submitting an additional complaint due to a second ( 2nd ) erroneous payment in the amount of {$450.00} posted on XX/XX/XXXX. I have attached both XXXX  XXXX XXXX messages indicating the payment attempts and the {$35.00} NSF fees. I now have been charged a total of {$70.00} in NSF fees for two ( 2 ) payments that I never authorized. 

I contacted Chase Bank today, XX/XX/XXXX to explain that I received a second ( 2nd ) notice from my bank about an attempt to withdraw funds. The Chase Bank rep explained he did not see a second attempt in their system. The Chase Bank rep then explained that it is standard for a second attempt for payment to be made and that it is automatic. I asked if this call was being recorded and he indicated that the call was infact being recorded. The Chase Bank rep explained that Chase Bank has an expectation for customers to have funds available when a payment is made. The rep explained I signed a disclosure agreement that a payment will be attempted twice. 

I explained to the Chase Bank rep that as a customer, I too, have an expectation for the payment to take place on the date that I requested. After the Chase Bank rep said he is aware of my original complaint and wanted to know why I was calling again today. I kindly explained to the rep that I had received a second ( 2nd ) notice from my bank of another NSF {$35.00} fee on XX/XX/XXXX. The Chase Bank rep stated that I should forward the  complaint to them so they could determine if a refund is required. 

I am now out of {$70.00} in NSF fees due to two ( 2 ) separate erroneous attempts to take a {$450.00} payment on my car ( XX/XX/XXXX and XX/XX/XXXX ). I have been disparaged twice now  from these Chase Bank reps as they explain to me company policy. I'm not sure what to do at this point. I haven't even received a response from the first error. 

Additionally, I requested to have all my financial information removed from their computer systems. I can't afford to have Chase Bank in possession of my banking information. It literally is not cost effective. 

I am literally out of ideas on how to deal with Chase Bank. I don't think they have a clear concept of First Call Resolution or Customer Centricity. I believe they desire to take care of their customers. I also believe they have many concerns internally that need immediate attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have asked for a request to pay off the remaining balance of my account with a horrible company. The company have prolonged the process so the can continue making money with interest and payment fees. The first attempt of asking for the payoff of my account I was told inaccurate information ( would be faxed within the next 20-30 minutes ). I then proceeded to reach back out to the company after making the payment of the remaining balance that is listed on my account-with no pay off demand received from the company. I spoke with the first agent in which didn't recite the correct payment that was received from me by the company. I got the agent to research the payment I had just processed to make sure the company was not play with such a huge amount of money. After getting the recent payment information confirmed, I proceed to ask what the balance was on the account. The agent was completely confused and begin to argue with me. I requested to speak with the supervisor in which I was advised there was still a balance on my account and that I payoff demand was faxed to me on yesterday. The supervisor proceeded to tell me that a payoff demand take 48 hours to process after I advised him I never received such information. I proceeded to request one more payoff demand to be mail via mail to me. The supervisor was very irritated with me as well as the what I was requesting. In the middle of the supervisor processing my requesting and me voicing my opinion about how this is being handled, the supervisor hung up on me. The supervisor 's name was XXXX and was not nice at all especially to a person that was paying off their account. The request that I have asked from this company is not unheard of but how I was treated for attempting to fulfill my commitment to a contract was unprecedented. I had more time to review the company that was now over my loan and the company has several complaints as well as reviews about how their billing and services are handled. If this company has so many concerns and alarming complaints, why is there no one regulating this? Why is there no check and balances in place? Me being a consumer, I should not have to deal with issues like this coming from a company rated so high by the XXXX. I'm in complete awe and disbelief that I'm not having to reach back out to this company to confirm payoff request has been processed and being mailed to me. The values that are displayed within your employees is a direct reflection of this company and the services they have to offer! This company is not consumer friendly and they do not have the family values that are portrayed across their brand!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to modify my mortgage as I am XXXX. I could no longer work and had to leave the workforce in XX/XX/XXXX. I had be able to continue making payments with the assistance of my finance. 
I was not able to keep up with the mortgage payments when we broke up. I asked for a remodification and they refused. I stopped paying on my mortgage and now I have filed a bankruptcy to keep my home. 
Wells Fargo refuses to remodifiy my mortgage and wants to sell my home. Ive been here for 13 plus years. It is my home and I would be literally homeless. 
Wells Fargo says that I do not make enough to stay in my home nor do I make enough money to declare bankruptcy. 
They have foreclosure and the next auction date is scheduled for the XX/XX/XXXX. 
I want to keep my home and am trying to get a part time job with the XXXX XXXX XXXX California. 
This would help my income level and I absolutely want to keep my home and Wells Fargo isnt willing to help a XXXX person like me.

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 2018-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Mid west recovery systems claims this loan was opened XX/XX/2017 but its actually a lot older then that. So old I forgot when I opened that pay day loan. I was never contacted in an attempt to collect the debt owed because if I was I would have paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX put a 10 year old debt on my credit that was discharged in bankruptcy and Equifax has made a mess of my credit score. Not only did they not delete XXXX ( I am currently disputing it for a 3rd time. They ADDED the 11 yr old bankruptcy BACK on my credit and they listed XXXX XXXX as being discharged in bankruptcy and that debt was never part of my bankruptcy. That debt is owed by me. I sent them the discharge papers, schedule of unsecured debts and mailing confirmation and no where listed is XXXX XXXX. Equifax is taking no responsibility for messing this up, refusing to make corrections, giving horrible customer service, telling me I need to DISPUTE things I NEVER put in dispute ( I disputed XXXX which the attached documents will support ). I have no idea why they took such a simple request and completely ruined my credit. I am in the process of buying a home and this is devastating. They should be held responsible for ruining lives. They are not the kind of business that can make careless mistakes like this!! It hurts the consumers and in this case ... sending proof of 1 company that needed to be deleted ( XXXX ) has now resulted in me needing to get a Bankruptcy removed and a company that was NEVER listed on my bankruptcy removed out of bankruptcy. This is a nitemare and Equifax is NOT helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
1. USAA is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to XXXX, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both XXXX and USAA for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. XXXX has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded XXXX letter, a copy of my policy, and a statement showing that my policy is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Because my credit information was compromised by Experian, I put a freeze on my credit. I need to lift it temporarily, but the website I was directed to shows "under construction". When I called, the only option I was given to change the freeze state is to write them, enclosing reams of information to prove I am who I say I am. This is in spite of the fact that I have the security pin given to me when I did the freeze. I feel that they are deliberately making this difficult for consumers to discourage them from having freezes on their account. The freeze was only necessary because of their bad data practices which exposed all my information to the world. XXXX has a great online way of managing freezes and it's a disgrace that Experian doesn't.

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 2018-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XXXX complaint XXXX - I asked you to explain your XXXX assertion that you never received the XXXX forbearance request. I then outlined a chain of written documentation including receipts that Nelnet received the request and correspondence generated by Nelnet approving the request. I asked you to explain this discrepancy and you have refused. Explain now. I also asked if you needed me to send the forbearance request to you again. Again, you refused to answer. Explain. In the meantime, the forbearance request has been forwarded to Nelnet yet again. Apply correctly. ( If you recall, it was approved but applied incorrectly. As you should also recall, I sent several written follow-ups requesting Nelnet correct its application of the forbearance to which Nelnet promised in writing to investigate but which Nelnet and  subsequently you failed to do. ) Once you correct the forbearance, remove any related late fees due to your refusal to address this matter. If you have any questions, please address them in this forum and as previously requested stop the robo calls. As observed prior, you have avoided directly answering virtually all questions asked to date please note that they are not going away. If you find you can not provide informative, direct and timely answers to questions asked, refer to someone more capable. You are wasting everyones time including mine. Finally, discharge and full accountability as previously specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. GM Financial   XX/XX/18 XXXX XXXX XX/XX/18 XXXX Bank XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/18 Ally Financial XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.

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