vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XXXX, I Refinanced My 1st Mortgage with a Different Bank! This is One of My Local Banks I Use for My Daily Personal Banking Services! This Bank is The Huntington Bank, XXXX, Ohio. I Asked for the Best 15yr Fixed Rate Mortgage & Best Rate Available!?? My 1st Mortgage at that Time was with XXXX XXXX XXXX and it was a FHA MORTGAGE. 
I Had & Have Excellent Credit. I Was Never Late on My Mrtg Payments & Never Missed a Payment!! I Was Told By Local Bank Loan Manager, a HARP MORTGAGE Could Only be Approved By The Main -Huntington Bank & by their # 1 Mortgage Loan Manager in XXXX , Ohio Huntington Headquarters & This Process Would Take a Few Months! Refinance With the XXXX Banch Would be a Much Quicker Process & They Could Offer a Comparable Fixed Rate!! They Sold Me a Conventional Mortgage, not a FHA Backed Mortgage & Not a Harp Mortgage. At This Time I Did Not Realize This 1st Mortgage Loan was Not an FHA Backed Mortgage!?! 
They Charged Me 2 - 3 Points to Get the Fixed Rate Down to 5.75 %. I Was Charged an Appraisal Fee, Points Fees & Closing Costs = all Totaling Appr {$3000.00}. With My Current 1st Mortgage FHA MRTG LOAN With XXXX XXXX XXXX, I QUALIFIED FOR THE HARP MORTGAGE, But was not even Offered the Harp!! I Believe They Did Not Want to Provide or Offer me a HARP MORTGAGE was Because They Would Not Make as Much MONEY / PROFIT AS THE WOULD WITH A CONVENTIONAL LOAN!! I THEN DISCOVERED, I NOW AM NOT ELIGIBLE FOR A HARP MORTGAGE From Any Banking Facility Because I No Longer Have a FHA BACKED MORTGAGE!! I HAVE CONTACTED NUMEROUS BANKS & MORTGAGE COMPANYS & ALL SAY THEY CAN GET ME A RATE, AS LOW AS A HARP MRTG!! BUT IN DOING THIS THEY ARE CHARGING ME 2-3-4 POINTS TO GET ME A FIXED RATE CLOSE TO THE HARP RATE, BUT STILL NOT AS LOW &  AGAIN I WOULD BE CHARGED FOR AN APPRAISAL & POINTS FEES & CLOSING COSTS!! I WAS REFINANCING TO GET CASH OUT TO PAY OFF CREDIT CARD DEBT & GET A LOWER MORTGAGE RATE, RESULTING IN A LOWER MONTHLY MORTGAGE PAYMENT!! I BELIEVE, THE REASON THEY WOULD NOT PROVIDE OR OFFER THE HARP MORTGAGE WAS SIMPLY, THEY MADE A " LOT '' MORE MONEY OFF ME THAN THEY WOULD MAKE PROVIDING ME A HARP MORTGAGE!! I ALSO FEEL & BELIEVE I AM BEING DISCRIMINATED AGAINST BY NOT BEING ELIGIBLE FOR A HARP MORTGAGE, BECAUSE I DO N'T HAVE A FHA MORTGAGE!! OVER MY LIFETIME, I HAVE HAD 4-5 MORTGAGES & ALL WERE FHA MORTGAGES!! I ALSO BELIEVED WITH THIS LAST MORTGAGE WITH HUNTINGTON BANK, IT WOULD ALSO BE A " FHA '' MORTGAGE! I Guess I Was Ignorant to the MORTGAGE BUSINESS & NOW I CAN NOT GET A HARP MORTGAGE TO PAY OFF OTHER DEBTS. WE ARE RETIRED & ON A FIXED LIMITED INCOME!! WE ARE BOTH " XXXX XXXX '' and NEITHER CAN WORK! - UNEMPLOYED! I DO N'T BEILIEVE THIS WAS OR IS FAIR, IT FEELS LIKE DISCRIMINATION TO ME!! I AM TALKING WITH MY ATTORNEY BEFORE TAKING ANY OTHER ACTION!?! CAN YOU PLEASE HELP ME GET A HARP MORTGAGE?? 
Thank You, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: DC

Complaint narrative:
Based on information and belief this is not my account. I have continued to request for validation and verification but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc.
State: IN

Complaint narrative:
This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXX XXXX XXXX XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and XXXX XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

XXXX XXXX XXXX failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to XXXX XXXX XXXX XXXX XXXX concerning the XXXX  XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: FL

Complaint narrative:
I was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

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 2017-11-30 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: FL

Complaint narrative:
I was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo wants you to believe, these unauthorized accounts are a matter of small dollar, random transfers of 10,15, 20 or so dollars between authorized and unauthorized accounts. This is grossly inaccurate. In our case, Wells Fargo opened a plethora of unauthorized checking, savings and credit cards accounts in the name of me, my husband and our businesses. Like peeling back an onion, it has taken an extraordinary amount of time and resources to discover these fraudulent accounts because Wells Fargo refused to provide a copy of the documents associated with these accounts. Wells Fargo, the organization, while simultaneously covering up their own liabilities continue aiding and embedding the parties involved in the perpetration these crimes.

And, its not just the missing money additionally, every dollar moved, transferred, wired, withdrawn ( et.al ) has taxable liabilities associated with these transactions by and through these fraudulent accounts. Making matters worse, Wells Fargo is continuing the victimization of their customers by withholding documents related to unauthorized accounts, precluding Wells Fargo victims from gaining access to the information needed in order for the victims to understand the totality of their liabilities and damages suffered. In my case, Wells Fargo told me these documents were deleted and/or purged from the system ..keep in mind, these are not old accounts. 

In addition to withholding documents from their victims, Wells Fargo has failed to comply with the stipulated agreement between Wells Fargo and their victims, to make Wells Fargo 's customers whole as a result of Wells Fargo 's fraudulent acts. Wells Fargo is being grossly untruthful with the Senate Committee, as evidenced in XXXX 2017 Wells Fargo Senate Committee meeting. The public is also misinformed. Wells Fargos victims are misinformed. 

The victimization will continue in perpetuity without further intervention from our legislative leaders. Wells Fargo is misrepresenting the depth and breadth of there deceptive practices, the number of victims who have suffered, the totality the losses suffered by the victims of Wells Fargo. Wells Fargo is continuing to withhold documents in order for the victims of Wells Fargo, such as me and my family, can determine the totality of our losses and damages and liabilities. Our family and our businesses have been devastated as a direct result of Wells Fargo 's fraudulent acts in direct connection with the systematic siphoning of money our family, our not-for-profit and related businesses.Millions of dollars are missing as a direct result. Tax levies are looming Wells Fargo is not making it right as promised. Wells Fargo is making it worse.

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 2017-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX leave XX/XX/XXXX 2018 and will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. 

My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. 

This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: CORELOGIC INC
State: NC

Complaint narrative:
Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.

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 2017-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.

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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: NV

Complaint narrative:
Mishandling of funds. 
XXXX XXXX, XXXX I sent a check to cover my escrow shortgage. They did not apply my money correctly, evidently I wrote the wrong amount on the check. I sent them messages to no avail on XXXX/XXXX/XXXX which has still not been addressed. They finally called me when I sent in my mortgage payment asking why I was sending in another payment - this was on XXXX/XXXX/XXXX as well, not even looking at my messages. I was talking with XXXX and sent another immediate transfer to cover the amount. She assured me as assistant to the vice president, she would make sure this was done correctly. I now get a statement with my last payment pended, an overdue payment amount ( XXXX ), a partial payment unapplied ( {$1100.00} ) and an amont due of {$2100.00}. My escrow balance shows {$1500.00} - my shortage was {$1500.00}. My payment amounts should have stayed at {$870.00}. This is causing a lot of stress trying to get this cleared up and a lot of problems between my spouse and myself.

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 2017-11-30 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage order of how the documents were put into the record and filed XXXX Appointment of Sub Trustee XXXX Notice of Trustee Sale XXXX Assignment of Deed of Trust ( Should of happened before Notice of Trustee Sale ) XXXX TRO FIled with Court at XXXX XXXX XXXXXXXX  TRO Signed by Judge XXXX XXXX at XXXX XXXX XXXX Bond Paid in Cash {$2000.00} @ XXXX XXXX ( Within 24 hours ) Looks like they did n't have deed when they started Foreclosure. Only recorded on XXXX which is less than 30 days before foreclosure of XXXX and after they started foreclosure. also the bond has to be placed within 24 hours of the TRO. Not before because we dont know the amount to be set at TRO hearing could be 100-10,000 .dollars. So we are all good on that. Then we have the fact that the Lender is the only one who can file the notice to subsitute trustee not servicer or trustee or anyone only true lender. thats three. 

What had happened is NationStar illegally foreclosed on XXXX XXXX, XXXX against a judges order and stole our property then in XXXX of XXXX sold the Note to a third party at a private sale this third party evicted us out of property in XXXX XXXX. We are homeless now. Nationstar violated many statues and stole our house and resold it. we never missed any payments all were paid up until XXXX XXXX when XXXX XXXX XXXX refused our monthly payment because of not owning the note but were taking payments acting as servicer.here is the escrow closing # XXXX and Doc # XXXX the MERS # XXXX Through XXXX XXXX XXXX XXXX was never a MERS Member so I dont know how they can register this to the MERS data base. but its in the Deed of Trust. Loan number XXXX XXXX XXXX XXXX XXXX email. XXXXXXXXXXXX I can provide all documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was staying at XXXX XXXX XXXX I had paid off everything the apartment was clean and left with no garbage or no damage. I spoke to XXXX asking her proof of damage that was claim that was left in the apartment she said she do not keep these information the collection company has it when I spoke to someone about this they sent me a bunch of paper with picture how can admit to anything when there is no substantial proof I even offer to pay the last month rent to settle they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
My main concern is that I 've been told that this loan is actually illegal in my state. I still plan on paying it off, but if these loans are illegal in my state they should n't be able to offer them. I 'm struggling to pay it off but I 'll figure it out I guess.

Company response to consumer: Closed with explanation