vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
In XX/XX/XXXX my wife and I applied to Bayview Loan Servicing for a mortgage modification based on hardship. The modification was denied. In XX/XX/XXXX we ask that the modification be reconsidered.. In addition to the reconsideration I asked for a breakdown of the amount past due because my records did not agree with the past due amount indicated by Bayview.. To date we have received no response from Bayview regarding our request Also Bayview has increased my monthly mortgage payment without explaining the increase. Our monthly mortgage payment has gone up approximately {$200.00} a month from the original mortgage agreement. XXXX XXXX was the original servicer of our mortgage and I was working with them on the correct past due amount and an increase in the monthly mortgage payment until Bayview took over the servicing of our mortgage in XX/XX/XXXX. After Bayview took over the servicing XXXX would not provide any further information concerning our mortgage. 

In summary I am asking for the following.

1. A detail breakdown of the amount past due 2. An explanation and detail breakdown on the monthly mortgage increases 3. A reconsideration of our loan modification request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: United Debt Holdings, LLC
State: TX

Complaint narrative:
Received a robocall indicating that a judgement claim was filed against me and I was scheduled to be served by an 'officer ' the following day at work or home. The number that called me was XXXX. The recording stated that I needed to call XXXX. I called the # in the recording, XXXX answered, gave my name & this is the story he spewed. XXXX states that I have a couple of outstanding loans that total {$1100.00} with fees of {$280.00} bringing the total to {$1400.00}. XXXX stated that he can stop the claim being filed with the court with a settlement offer of {$880.00}. I asked who is the original debtor. 

XXXX XXXX XXXX XXXX which is defunct according to the BBB website ) is the debtor with the original loan date of XXXX. XXXX stated that the debt was validated as a new debt as of XX/XX/2019 via United Debt Holdings whom picked up and reissued this debt. I asked XXXX whom he worked for, XXXX stated he is not a debt collector but works on behalf of XXXX XXXX XXXX out of XXXX Ga. I asked for an address he refused. I asked for validation of this debt, XXXX stated that XXXX XXXX XXXX already validated the debt. XXXX made sure to reiterate that if I do not decide to pay the settled amount he offered I would be served with a judgement against me and an XXXXfficer will be serving me most likely at work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX CARD partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently attempted to dispute a debt from XXXX XXXX XXXX, via XXXX XXXX, XXXX, XXXX and via letter ( us mail ). This request has been submitted multiple times and the first time I did so, they failed to respond to me within 30 days ( the dispute was open for over 90 days ). I requested the orginal debt date to be provided ( not the date that the debt was turned over to the collection agency ) and they have failed to give me this date. They recently just updated the debt with the date that they attained it and accuse me of still being indebted. ( Actually reported that I am now late ). I have no idea what my next step is. I don't even know what account this is orginally from. I requested that all this info be mailed to me so I could review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX thru XXXX XXXX  pull a hard inquiry on my credit without my consent. They mislead you by asking you if you authorize SOFT inquiry in your file without affecting your credit but in fact is a HARD inquiry and it actually affect your credit. I called both XXXX XXXX and XXXX XXXX XXXX and they are refusing to remove the unauthorized HARD inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
DCI began calling my cell phone, my husband 's cell phone, my house, my XXXX XXXX XXXX 's cell phone and my XXXX XXXX XXXX 's phone numerous times. We have asked for them to stop calling regarding an issue with XXXX XXXX XXXX as my husband spoke to XXXX XXXX XXXX  and the debt does not exist. The account is in my husband 's name however this company continues to call and discuss the issue with me although improper. I have instructed my children to not answer their phones if the number is not attached to a contact already in their phone. This company continues to call these numbers as recently as yesterday though I have told them this debt does not exist and to stop calling. They are calling my children 's phones during their school hours, my work hours and it is completely out of hand and is harassment at this point, especially calling our children 's phones multiple times a day. I have filed a dispute with this company as well. This company needs to stop this harassment ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
The collection company XXXX XXXX on behalf of XXXX XXXX charged my atm card {$540.00} completely out of the blue without my written or verbal authorization on XX/XX/XXXX. The charges they claimed were coming from training sessions I got almost a year ago in the early summer of XXXX which I came in to cancel and settle up on almost 6 months ago. I spoke to both the trainer and the regional manager who informed me that it would be cancelled, the balance was settled and I would no longer be charged for anything. Recently I came into the establishment and asked XXXX at the front desk if there were any outstanding charges that needed to be paid. Just in case. He informed me there was no balance whatsoever. I also spoke to XXXX the previous regional manager the exact same question and he gave me the same response as well. No balance. I even asked my trainer XXXX who told me that I dont owe anything on the training sessions from last year. They all basically told me the same thing. There is absolutely no balance. Now I go to charge my card this afternoon and find out there's almost 550 dollars missing. Once I noticed these astronomical charges to my XXXX XXXX account from XXXX and XXXX XXXX I immediately called the store on XXXX XXXX and spoke to XXXX the manager who said that now all of a sudden there was an outstanding balance. I told him I already had this cancelled and settled up on a long time ago because I never came in to redeem or use any sessions. It was pointless to keep paying so I cancelled my subscription a long time ago. I spoke to 2 different people who informed me that it was in fact cancelled. He said that they were wrong I owed money. Now it seems they just decided that they were going to start another subscription and charge me for something new i didnt agree to without any prior notification when I asked if there was anything past due on my account numerous times with all different people. It's either these people are totally incompetent or are clearly trying to take advantage of someone. This situation has now put in a serious financial hardship because they basically cleaned out my XXXX XXXX  checking account and I am unable to pay my other bills. I didnt agree to these terms and the sessions I once had were cancelled almost a year ago. I am disgusted by this company 's level of professionalism and uninformed staff. They have clearly taken advantage of the situation and have violated my rights as a consumer by not producing or sending any printed bill or invoice to my billing address or in person that clearly states the amount that was owed at least 14 days before said due date. I was never notified, only charged, and that is in clear violation of the law and sits in the realm of unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX I open a checking and savings account for CitiBank with promotional code XXXX which stated I needed to have a combine balance of {$15000.00} for 60 consecutive days to received a {$400.00} bonus and direct deposit for {$100.00}. I had called in after my bonus period was over to see if I can closed the savings account after the promotional period and was told I could. I did and I changed my checking account to a basic checking and now have to change to an access account because the basic charges a fee if I do not use bill pay. I had ask them to change my account to one that only requires direct deposit to waive the fee and they couldn't even do that. I received an email saying I completed the task and that I would received the bonus. Now that it has been 180 days, they said that since I closed my savings account beforehand, I would not received any of the bonus. The email they sent says that I never open a savings which I did. They told me I was given misinformation from the previous called and that they couldn't do anything about 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 monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I found an ad on craigslist offering " last minute XXXX tickets '' for a very discounted price. The seller sounded very nice over the phone and provided me with a plausible explanation as to why he could not attend this event. He said to me that we could do a smooth transaction via XXXX meaning that I will send him funds and he will email me his tickets right away. I know that XXXX works with all major banks including mine ( Wells Fargo ), so I assumed that it will be handled as any other bank transaction which is subject to consumer protection. 

Unfortunately, once I paid {$400.00} the " seller '' disappeared. I called Wells Fargo 10 minutes after this transaction went through so they could stop or freeze the funds. Instead of that, they told me that there was nothing they could do, they did not even bother asking any details about this person so they can alert another bank where my money went to. I told them that I was defrauded, that I never received the tickets I paid for, they just simply did not care! Total ignorance on their end! As a bare minimum, they could have tried contacting a bank where my money went to and dispute it! No, nothing was done to return my funds! 

They ENDORSE this XXXX service, so they must give a clear disclosure to their customers that the money transfers are not protected against fraud, scam, etc. Yes, if fact, if you go to XXXX website and do a comprehensive online research you will find those disclosures, but, who would do it in such extent when this service is widely advertised and approved by your bank???? I am just an ordinary person with a minimum knowledge of banking system. I know that all my debit/credit/Pay Pal transactions are protected against fraud, so how would I know that this XXXX service is different???? 

The only reason why I used XXXX is because I was in total reliance on my bank that it will step in and dispute it in case something goes wrong. I have been their customer for 20 years, I have my mortgage, saving, checking, XXXX with them, you name it. This is the first time I ever filed a claim with them and the last thing I expected was the attitude like this. Not only they don't care about the online scam that happens every day, but they support it by their total ignorance and lack of desire to investigate the problem. 

I just want other consumers to be aware that If something goes wrong with their money they won't be protected by Wells Fargo by any way, shape or form. Wells Fargo should either have a system in place to protect their customers against fraud or, if they don't have this ability, then DON'T ENDORSE OR ADVERTISE this service to your customers, one way or another!

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 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/19 I brought a cashier 's check from a respected XXXX bank into a local Wells Fargo branch to deposit. My timing was based on the goal to deposit it on a day with a higher conversion rate. I brought in a print out from their website showing that day 's rate ( 0.8029 US $ per 1 CAD $ ). The amount was CAD {$190000.00}. 
I had shown them that day 's exchange rate from the website. Managers at the branch discussed it for 15-20 minutes while I was in the waiting area. I was informed that it would be processed through the Wells Fargo Foreign Collection Service and fees would also be assessed. The process would take 4-10 weeks. I was concerned about the potential for the exchange rate to change significantly during this period. I was then told that I would get the best rate during the time period until the deposit cleared. I confirmed two more times to ensure I understood correctly and again was told it would be at the .803 rate or higher. I agreed to proceed based on this. 
On XX/XX/19, my Wells Fargo account was credited US {$140000.00}. This was based on a .744 exchange rate and less US {$200.00} fees. This was based on corporate policies that I was not made aware of. The branch did not provide the correct information to me. Using the minimum .8029 rate  discussed with them on XX/XX/19, the deposit amount should have been US {$150000.00} ( after fees were removed ). This is a difference of US {$11000.00}. I had agreed to the fees and have no issue with paying them. 
On XX/XX/19, I contacted the Wells Fargo branch and asked to make an appointment to discuss this. They said they would have manager call me. After connecting, it was agreed to forward the complaint to the Wells Fargo resolution department. A contact from that group was very helpful and kept me updated about the status of the resolution process. 
On XX/XX/19, the resolution contact called me and told me the offer from the branch is to refund the service fees of {$200.00}. I declined the offer and requested not to have the funds deposited in my account. I indicated I would seek alternate methods to have this resolved satisfactorily. I have since consulted with an attorney.

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 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
Hello, There was a past medical bill at XXXX Hospital in Pennsylvania for the amount of {$370.00}. I spoke to them a while ago and it was taken of my credit report since the insurance paid it. 

Now they sold this debt which was paid off already to Commonwealth Financial. I never received a letter from them, I was not even able to ask for verification of debt. I spoke to them and they were really rude said they sent one letter to an address which I do not live in. Tried to explain the situation and did not listen. 

They said the treatment was done on XX/XX/2015. I told them it was paid in full by the insurance company and they said I had to pay them or legal actions would go against me. 

I let them know the statue of limitation for medical debt in the state of Pennsylvania is 4 years. They said the do not go by the statue limitation and either I pay or they will take me to court. Please help me resolve this problem Name of the company : Commonwealth Financial Address : XXXX XXXX XXXX, XXXX XXXX, Pa XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I became aware of a large, inexplicable decrease in my credit score through XXXX. I contacted on Equifax on XX/XX/19 to investigate, and spoke to two agents, one via the " chat '' window and one via telephone. Both agents insisted that the only means of looking into the case further is for me to pay a {$15.00} fee to access my report ( which basically amounts to extortion ). At no time was I ever informed that I have a right to access XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I was having difficultly making my monthly payment. I call customer service at Santander Consumer USA whom Finance my car loan. I ask them if they would work with me in keeping my payment at the {$210.00} instead of raising my payment back to {$360.00} which I can't afford, in the perceivable future I need to have my payment to stay at {$210.00}. I can comfortably afford this payment. I tried to negotiate with them about leaving my payment the same. I am in a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/XXXX, I realized that my renewable insurance premium was not paid by the Cardinal Financial although I had enough money in escrow. I send an email to cardinal to inquire about the issue. 
On XX/XX/XXXX, I was told by the cardinal phone agent that they have already purchased a forced placed policy on my property and paid the premium of {$2200.00}. Their records shows that there is no insurance on the property. 
On the same date XX/XX/XXXX, I found out that the my insurance agent mistakenly had my uncle as primary insured ( previous owner of the house ) instead of me since the date the home was purchased. 
On XX/XX/XXXX, canceled the other policy and asked the agent to issue a new policy under my own name and faxed a declaration copy to cardinal. 
on XX/XX/XXXX : Cardinal sold the loan or transferred it to XXXX. When I called cardinal, I was told the loan was already sold and XXXX is supposed to service the loan. 
Various date : From XX/XX/XXXX onward, I tried to cancel the forced placed policy because I already have the insurance and get the amount paid back to my escrow account. I get many different answer from cardinal. The answers were : A. Please wait for the refund check to arrive on the mail. 
B. We have requested the policy to be cancelled, the refund will be refunded back to XXXX escrow. 
C. You need to contact XXXX instead. 
D. You need to contact XXXX XXXX XXXX Instead. 
E. Please fax us the copy of your current insurance and we will refund you. 
F. Please fax us the proof that you never had any lapse in coverage and then we will refund you. 
I got # F answer today ( XX/XX/XXXX ), and its the second time I got this answer. I had faxed proof of insurance and continuous coverage in the past on XX/XX/XXXX as well. 

When I contact XXXX, I am told that they do not have any evidence or record of forced placed policy being in my account. 

When I contact XXXX XXXX as them to cancel, they do not recognize the policy number provided to me which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is fraudulent XXXX XXXX {$73.00}

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