vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America representatives have put my home into foreclosure. I was told that I had the option to do a deed in lieu of foreclosure but never received the paperwork. I 've put my home up for sale and have received a contract from a buyer at a price that is higher than what I owe on my mortgage balance. Bank of America representatives have not responded.

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 2017-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied for and received a Bank of America  Travel Rewards c redit card. They claim that during the online application process I transferred a balance from another credit card at  XXXX . I DID NOT. Now I have a {$12000.00} balance at Bank of Americ a ( they  agreed to waive the transfer fee ) and a credit balance at  XXXX  of {$11000.0 0} ( they t ook out the {$1000.00} balance I had at the time ).  <P/> I can not get Bank of America to transfer the money back to  XXXX  and   XXXX   accounts are frozen due to a " fraud incident '' so I owe the balance because neither bank will work with me and in the meantime, I will be charged interest on {$12000.00} that I DID NOT transfer and do not have the cash to pay it off.  <P/> I am going to pay my balance with Bank of America but not the supposed " balance transfer ''.  <P/> Please tell me what I can do at this point to prevent the interest or put a lock on these accounts so that no further interest is charged until this has been resolved.  <P/> Thank you!!

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 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
There are two complaints I have to file that are interrelated to each other. The first is that Nelnet, my student loan company, changed the address and phone numbers on my account without my knowledge or consent. I would like to know exactly why and how this could have occurred. Second, this change in my contact information had a direct negative impact on my FICO credit score. From what Nelnet has told me they did not receive proof of income from me when they requested it XX/XX/XXXX. I did get the notice and sent it. In XX/XX/XXXX I received a letter/statement from Nelnet dated XX/XX/XXXX current balance {$35000.00} current amount due {$0.00}, Leading me to believe my account was in good standings. During this time I had moved from XXXX, XXXX to XXXX XXXX, XXXX. One day I had happened to be checking my junk email and came across an email from Nelnet stating that stating to reply yes to keep my forberance this was in XX/XX/XXXX, which i did. I qualify for the program because I receive XXXX XXXX XXXX. I called a few weeks later and followed up to check to see if my account was in good standings after i replied to the email because I was going to begin the process of buying a home. I called Nelnet and the representative said yes your account is in good standings and I do not owe anything at this time. The representative and I went on to update my address and phone number when she was asking me about an address somewhere in XXXX XXXX and phone numbers that once belonged to my former mother in law and ex husband. I was a bit baffled by this but continued to update my information. As i was saying I was looking into buying a house. My financial institution that I was going to get my loan from, whom I got my car loan from ran my credit report and said that Nelnet had reported me over 180 days late on my student loan payment which I still dont understand how this could be. I last checked and my foreberance was good for a year. as well as if there was an issue of them not receiving needed documentation they could have contacted me. yes my address and phone numbers changed to XXXX from XXXX. If Nelnet was trying to reach me why did they not actually look for ME? I am easy to find with the resources they have. Had they automatically updated my adress to where I was at not former relations of mine then I would never have gone over 180 days late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXIA FINANCIAL, LLC
State: WA

Complaint narrative:
I refinanced my condo mortgage earlier this year through  Axia Financial. My loan officer  was  XXXX   XXXX .  <P/> I was given a rate ( that I was told I was locked in at with no other stipulations ) and terms of the loan refinance and the ball was in my court to follow through with the actual signing to close the deal.  <P/> When I followed up to go through with the loan refinance I was told that the window for locking in the rate had passed and that I would have to pay {$500.00} + dollars to keep the rate that I was quoted previously, when I had not been told this time deadline previously. At the very least that seems shady.  <P/> Moving forward, the first notary that was sent to my house had the wrong loan terms.  <P/> Next, I was told that I would get a roughly {$2500.00} check back from my old escrow. I received a check for only {$300.00}.  <P/> On top of that I have now spent countless hours of my own time calling into my new bank because the insurance given to the new mortagage bank was incorrect and I ws told that my personal content insurance and property taxes would be handled through an escrow account, which I paid. Now my mortgage bank,  XXXX  is telling me I do n't even have an escrow account.  <P/> On top of that, I was told multiple times by  XXXX   XXXX  that I was insured and that my escrow company had the money to pay my insurance. I was sent a letter from  XXXX  that I was insured. When I was in fact not ensured because  XXXX  did not pay my insurance company. To further complicate the matter during that time I had a {$3000.00} mtn bike stolen.  <P/> I have since learning about the fact that I was not insured purchased my own insurance and have spent countless hours on the phone with my insurance company, my bank and none of the information that anyone has received through my refinance process has been correct and now I am left to sort it out.

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 2017-06-02 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX    XXXX     XXXX    XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous t imes ( si nce  XX/XX/XXXX   ) only  to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 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: Westlake Services, LLC
State: NY

Complaint narrative:
West lake financial services located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for the Walmart  Credit Card on    XXXX   XXXX   XXXX  .  In the fine print, it states that you have to make your purchase the day of your approval to take advantage of the 20 % off your first order promotion. It instructs you to click on link to apply discount which I did, when I went to check out, it did not apply the discount so I did not place order. I called the customer service line and they said I have to wait for email link. It is now   XXXX   XXXX   XXXX     and I did not receive my link. I did receive my card today,   XXXX   XXXX   XXXX    . Before placing an order I called customer service to inquire about promotion discount email and they said there should be a coupon with the new card, there was nothing. They instructed me to place the order and call back wi thin 3-5 business days to notify them of the order and they would note my account and I would see the credit to my account in 2 billing cycles. I place my order with Walmart. The transaction go  t denied. I continued to try to place the order with my new card and it was denied. I then called customer service again. They said they see the order amount on my account and that the order had gone through. I then called Walmart and told them what Walmart Credit Card   custome r service told me and they confirmed that the order did NOT go through and they see nothing on my account. I then called Walmart Credit Card customer service back again and explained what Walmart told me. I then remained on hold for a long time while they   confirmed what Walmart told me. The rep from Walmart Credit Card customer service to ld me that there was nothing they could do for me except to wait for the pending charge to leave my account. Now leaving me with no option to pay for my large order before my trip I have to leave for needing most of these items. This whole process seems very unethical and un-managed.

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 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: UT

Complaint narrative:
I have been dealing with horrible collection practices from  Monterey Financial  services and their harassing practices. they have been threatening to send it to review for collections which would add an additional 35 % to my bill i tried to explain today  XXXX / XXXX / 2017  at  XXXX   XXXX  i received the call from the company he was very harassing and was bullying me to the extent of making me feel uncomfortable he kept interrupting me and demanding information as to what the personal matter was as to why I 'm filing for ch.  XXXX  bankruptcy the personal matter was none of his business but kept trying to bully me into giving him the information. this was so unprofessional and i refuse to be bullied by this company any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
The credit bureau is reporting that I owe {$410.00} for an account under the name "   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XX/XX/XXXX  with an account number of "   XXXX   ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous times ( since  XX/XX/XXXX  ) only to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

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 2017-06-02 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: ND

Complaint narrative:
The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
We were offered a trial plan by Caliber Home Loans and we messed up the date of the last payment and because of that they said we are ineligible, they call it trial plan default. So they sent us a letter saying we could re-apply meaning start the process over again and we had until   XXXX   XXXX   XXXX  .
<P/>
So last weekend Memorial Day Weekend, when we could not talk to anyone until Tues.   XXXX   XXXX   XXXX  , we received several letters from   XXXX   XXXX   in  XXXX  , MA   XXXX   telling us that our house will be auctioned off for sale on o r after    XXXX   XXXX   XXXX  . The phone number for  XXXX  is   XXXX   the fax number is  XXXX .
<P/>
In the meantime we met with our HUD Counselor and re submitted all our forms back to Caliber Home Loans to apply for loan modification all over again. I am truly afraid we have no place to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   located in California is reported on all   XXXX    of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at   XXXX   in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild 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 2017-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   2017  at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild 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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
NEW COMPLAINT : No credit of refund of  XXXX  issued by  XXXX  on   XXXX  .
<P/>
Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
<P/>
Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
<P/>
I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.

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 2017-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This complaint is being submitted on behalf of the homeowner by her advocate. The homeowner is a low income  XXXX   year old wi dow. Her back door neighbor passed away over a year and a half ago. It is her understanding that the surviving family members of the deceased borrower hold no interest in the property because the property is underwater. The property is not being maintained by anyone. The despair is affecting the homeowners shared fence and backyard.   XXXX  The homeowner reached out Ditech to discuss the nuisance the property was causing. Ditech representatives referred her to their property preservation department, who never answers or returns her calls. It appears that Ditech is using tactics to not be held responsible, because theyre aware of the property being vacant and causing a nuisance, yet no notices or actions to remedy the problem have occurred. The homeowner is left to maintain the falling fence and potential blight out of her own pocket, which is causing her an economic hardship.

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