vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
My 16 year mortgage with XXXX XXXX XXXX  XXXX and was sold in 2016 to a company called Bayview Loan Services LLC out of XXXX Florida. 

I always made my payment all these years. BAyview loan services increased my taxes and did not believe I had insurance and applied force placed insurance. 

Now this was an error that Bayview Loan refused to correct, I have 17 month proof,. 
You call, and they just do nothing. They refuse the regular payment and start foreclosure. 

This is total fraud. And a scam. I was a XXXX  XXXX. They are in violation of ORC and government codes. I fought this foreclosure myself, because every attorney refused to help unless I had XXXX. So I did it myself, I am XXXX years old, have lived in my condo for 18 years and now I get to go to a shelter. 

This is such a terrible thing they are doing to many. I called the scam squad in my area, they would not help either. I have lost income due to the foreclosure, and I lost custody of my grandsons, I was raising due to my daughter death. So now I am kicked to the curb, like a dog. And I had a perfect record, till they changed my payment and refused the regular payment. Bottom line this is a collection agency buying old loans and then the scam begins. This company is in 5 states. Because there is no quality control, no one check balances, or to see if the mortgage should go into foreclosure. I worked for XXXX XXXX XXXX XXXX. for 15 years. I did XXXX  and I can not save mine home, no one is checking to see their errors, and it looks like I am delinquent because of the increase of {$200.00} on my payment. My taxes did not go up, and my insurance is paid my the condo association. I was doing just fine till they bought my loan and increased my payment I am happy to meet anyone who can help or anyone who cares, to prove this. I get to even lose all my possessions because I have no where to put them, my whole life going in the trash. I am now going public and going to the media. They have to be stopped. Check out the complaints on line from customers, over 800. I also called the FBI. Nothing is happening. The decision on my house is this week, and if they win I plan to continue to fight. Such a shame this is happening in todays times. I do feel my age is a factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/2018 : Credit limit lowered, chase bank siting overall credit utilization too high ( 53 % ) even though utilization is lower than it was before a balance transfer to a new card/issuer. My card was nearly maxed out with chase so to make it easier to get out of debt, I transferred the balance to a new card/company with a lower interest rate and higher credit limit to keep overall utilization down. The existing balance did not give chase reason to reduce my limit until after it was transferred and they were no longer making money off the interest. This reduction has negatively impacted my credit score. And they will not review without doing a hard inquiry on my credit, which can also lower the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: GA

Complaint narrative:
t was happened at XXXX. XXXX XXXX ( office ) on XX/XX/2018, the first time, I used the XXXX signature visa card to pay the amount of {$5500.00} and it was declined, then, the merchant asked me to use other credit card, I said, I may be change mind, I held the citi visa card, he took it then charged it. I got home and checked my acct, the amount was on there and was pending status. I called to the citi billing disputes dept on XXXX, I got a case confirmation # XXXX. Later, I faxed all documentation to the citi when they requested. I called back to the citi on XXXX, they told me, the case is still continue to processing now, and will remove that amount from my acct. Now, I received the new message from the citi on XXXX, the amount of {$5500.00} back to my acct. I am requesting to resolve this issue.

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 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
To Whom This May Concern : I contacted Moneygram on XX/XX/XXXX to transfer transaction # XXXX, from a XX/XX/XXXX request of {$100.00} for XXXX XXXX from a Georgia pickup to a Florida state pickup. Moneygram advised me that they were unable to transfer a transaction state to state and that I had to submit a new Moneygram. 

I did and that transaction # XXXX was submitted for another {$100.00} to XXXX XXXX for a Florida pickup. He did pick that transaction up with no problems. 

Moneygram advised me that transaction # XXXX had to be canceled and it would be refunded back to my account within 3-10 business days. I contacted them after 10 business days and was advise it could take up to 30 days. 

After 30 days, I contacted my bank XXXX XXXX XXXX, to submit this claim. To date, Moneygram has yet to refund me the {$100.00}. XXXX did replace my {$100.00} in my account back in XX/XX/XXXX ( as you can see on the attached forms ) and after receiving documents from Moneygram stating that my son had picked up the monies, XXXX sided with Moneygram on this claim. TO BE CLEAR, TRANSACTION XXXX WAS NOT EVER COLLECTED AND I HAVE NOT BEEN REFUNDED MY MONEY AND IT IS NOW XXXX. ( XX/XX/XXXX ). 

After speaking with the XXXX claim agent on XX/XX/XXXX maybe XXXX filed a claim on the wrong transaction. So with this document and the ones attached, prayerfully we should not have anymore miscommunication. 

Now when I contact Moneygram on today XX/XX/XXXX, they are saying that they refunded my money on the same day ( XX/XX/XXXX ) that the transaction was canceled, how is that possible, when their policy clearly states 3-10 business days. 

Please help, this company keeps stating that they refunded my funds and they did not. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: MN

Complaint narrative:
I was applying for a loan of XXXX with XXXX. there were several things they required before the loan was approved. one being that I verify my checking account. I never verified my checking account with them. which I thought means the loan application was not complete. but somehow the loan was approved and deposited to my account. I would have refused the loan except the deposit was made to my account with a negative balance making it imposable to rescind the loan. now the company wants me to make twelve XXXX payments to pay back this loan. they have already tried to receive two payments which has cost me XXXX in overdraft fees. I never finished their loan process so I don't know why they deposited the money into my account. not being able to stop the loan because of the negative balance. I am now stuck but I didn't want the loan that is why I didn't finish the process. I am living off social security I cant afford to make these outrageous payments. I do realize that the XXXX needs to be paid back. I suggest that two payments of XXXX a month with a final payment of XXXX on the third month to repay the loan. I realize that the total repayment equals only XXXX but that reflects the XXXX it has already cost 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 2019-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
Collection item added to my credit report in XXXX or XX/XX/XXXX. For XXXX dollars from XXXX hospital but now with GLA collections. I spoke with GLA in the fall XXXX and the CS said he would send me information about the debt. They had the wrong address and I had received nothing in the mail and no phone calls. He said it was from an emergency room visit in XXXX. It wasnt me! I have insurance and nothing was on my insurance either. After not hearing back, I wrote to them with the last 4 digits of the account number that I had from my CBR, my DOB, address and last 4 of my SSN. They sent me back a letter saying they couldnt find an account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
The original financed amount of this car loan ws {$17000.00}. We have paid so far {$31000.00} because of late payments and nonsense fees. The representative explained that there is still a principal balance of {$3200.00} because so much of our payments was applied to these fees and interest charges. 

That means {$13000.00} was not for the car. 
{$12000.00} went to interest and {$680.00} was applied to late fees. 

Now I realize late payments impact a car loan, but this is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I made an online transaction of {$2500.00}, using the Bank Of America banking phone app, to send money to a friend. The app claims that it only required a phone number to be able to send money to the correct recipient. Both my friend and I are enrolled with Bank of America mobile banking. I entered my friend 's phone number and transferred the money. My friend got a text message confirming that I made the transfer, but the money never got deposited to his account. On XX/XX/XXXX, We called Bank Of America to ask what going on. They explained that the money went to a different person. They briefly explained that there was an error in the process of registering account with phone numbers. And there was another account associated with my friend 's account. We filed a a claim with Bank Of America on the same date. On XX/XX/XXXX I called Bank Of America to ask for an update, and was told that my case got closed without anything they can do because the person who had my money didn't have enough money in his account to return my money. I was told to seek my own legal counsel, and denied all responsibilities, even though they're the one at fault for transferring my money to the wrong person. The law services I've been contacting would not want to take the case because the dispute amount is too little ( but it's not for me ). I don't want to lose my money for I did not make any mistake. I don't feel like it's my responsibility to clean up this mess.

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 2019-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Hello My private student loans were initially handled by Sallie Mae until Navient took over. I have been paying my loans on time for the last 7 years and the throughout this time I have been noticing the monthly payments are increasing and the portion of the monthly payments is going towards the interest and not the principle balance. I called Navient regarding the matter and their response that this is out of their hands and the interest varies based in the stock market rate!!!. I explained to Navient that if my credit score has been improving, my principle balance is decreasing and my on time payment history is excellent, why would my interest change and my monthly payment is increasing?. 

I also applied for a release of cosigner request, providing them with documentation that I have been paying Navient on time for the last 7 years and proof of graduation and U.S citizenship, but they still rejected the request based on invalid reasons. 

I really believe as a borrower that we need a break. I keep paying for money that I have borrowed almost 15 years ago when I was young and nave and unaware of the consequences. I really need help to get out of this never ending loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My husband has also made a complaint against Navy Federal. He took out a personal loan and in XX/XX/2018, Navy Federal contacted me to say he was late on the loan payment and that I was a co-signer. I never co-signed any loan. I have never been in a Navy Federal location and have not signed any documents with them.

Prior to this, we had an identity theft issue at Navy Federal where they said we had a loan out and my husband ended up filing a police report.

In the summer of XX/XX/2018, I got a call again from Navy Federal saying my husband 's checks bounced. I told them again that I did not co-sign for the loan and they urged me to not take my name off of the loan as it would cause my husband legal trouble. My husband said he signed up for the loan over the phone and then went into a Navy Federal location to sign the paperwork. We then asked for them to mail us the paperwork where it would indicate I co-signed the loan and we never received  anything from them in the mail. 

In XX/XX/2018, I received a letter from Navy Federal stating the loan had an outstanding balance of XXXX. My husband took out a loan for XXXX to consolidate debt from medical bills. The last time he spoke to Navy Federal, he had explained that he had lost his job and that they were working out an installment plan. We had no indication that this loan had accrued XXXX in fees. No letter or phone call was made and he was under the assumption that the installment plan was still in place. When I contacted Navy Federal again, they said that the loan was in collections and we would not be able to remediate the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 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: RI

Complaint narrative:
I have been trying to dispute fraudulent accounts under my name with the main three credit bureaus. XXXX  and XXXX  have taken care of the issue and deleted all the accounts that do not belong to me. As of today Equifax is still reporting those accounts as mine and it is hurting me to get a mortgage loan. I have submitted multiple disputes and they keep reporting the accounts. I have sent them my police report and all the documents needed to prove my identity. However, they have not taken care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I got hard inquiry from XXXX XXXX and they sent me a letter credit repair removal XX/XX/2018 but Equifax didnt remove these inquiry from XXXX XXXX I have been calling for several time the Equifax customer service phone number but they didnt answer and i need to remove this inquiry from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: NY

Complaint narrative:
I have been a victim of idenity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased the house in 2005 for {$30000.00} on a 30 year loan. I have paid on this for over 20 years now. The mortgage has been sold a few times but when this bank purchased the loan, I asked them to send me paperwork showing my balance. They told me to keep paying from the coupon book I had. I asked them several times to send me something showing what I owe. Over the last 4 years they increased my payment. This year I asked them why. They said it was to cover the cost of insurance and property tax increase so I called the county and they said they are not raising taxes this year. I then called my insurance agent and he said he has not raised my insurance in the last 5 years. I am now receiving monthly bills for the house and it shows a balance of {$60000.00}. I have called several times to ask them why there is still so much due when it should be about paid off. They hang up on me or transfer me and I am on hold several minutes. 
I have had XXXX eye XXXX 's this year and am now going to lose my job as a XXXX XXXX   driver as I have lost the sight in my eye. My husband has been XXXX for the last 3 years and so has no income. Every time I call the bank to see what we can do they threaten me with foreclosure and my credit. I am in an XXXX mortgage. 
I called HOPE and talked with a man named XXXX from XXXX. He called the bank and tried to get them to answer questions for me and he found that they did the same thing with him. First they hung up on us, then they put us on hold for XXXX minutes, they came back on the line to say they are transferring us, we were again on hold for XXXX minutes before the phone was disconnected. XXXX from XXXX suggested I fill out this complaint. I have a PIF receipt for an old balloon payment that I believe they may have added on to my balance. But again when I bring that up to them, they transfer me before they end the call without anyone talking to me. They are also charging me for not having a local bank in my area. I told them they should not charge me when they not having a local in my area is not my fault since they bought my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I tried to get the free annual credit report from Equifax because XXXX sent me a credit card that I had not ordered. XXXX and XXXX were great and I easily got my reports, but Equifax said that it couldn't send me report online. I tried to call them ( This was in XX/XX/XXXX ) and never could talk to a live person. I tried to order a report today ( XX/XX/XXXX ) and again, Equifax stated that it could not send the report online and to call them. I called again. Equifax stated that my address was not what they had on file. Now I '' m really worried. All of the information that I entered was correct. I never could speak to a live person. Equifax wants me to send all of this personal information through the mail to them so I looked up reviews. Other people have not had good luck with sending their personal information to Equifax. The company appears to be a complete joke. Why is Equifax even allowed to access our personal information? I can't get my credit report from them, nor can I talk to a live person, yet they hold my personal credit information and claim that what they have on file is not what I just entered. I have no idea what to do next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a business checking account with wells fargo under a promotion to receive {$500.00} bonus when I meet the following requirements. 

Within 10 days of opening the account, deposit {$2000.00} or more into the new business checking account, and Have a {$2000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60. 

I met this requirements about 30 days ago, but still didn't receive the bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief