vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX  XXXX XXXX XXXX filed Bankruptcy XXXX XXXX  XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX  XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to Nationstar XX/XX/XXXX XXXX  XXXX XXXX   discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that NationStar was going to give us a contact to work with to get the problem straightened out. 
XX/XX/XXXX attorney contacted the person Nationstar sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. 
XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with Nationstar. The attorney for Nationstar stated they were foreclosure attorneys and that is what they were going to do. 
XX/XX/XXXX the 1st foreclosure took place. 
XX/XX/XXXX received XXXX from Nationstar regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. 
XX/XX/XXXX received paperwork from court that they wanted to file for reformation. 
XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and Nationstar attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to Nationstar and I had not paid anything since XX/XX/XXXX ; instead of not having paid since the loan modification XX/XX/XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. 
XX/XX/XXXX the 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this account. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018, I sent a request for verification of late payments being reported on my credit report. On XX/XX/2018, they sent back a letter saying that they verified the account as accurate BUT did not sent any verification documents. They also did not mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt. The first collection company said they closed the account and returned the account to their client XXXX XXXX XXXX XXXX XXXX So what does that mean? It is not my debt.

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 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
We had a lease with an apartment complex that we had to get out of because we couldn't pay for it. We negotiated getting out of the lease, got a sub leaser, cleaned the apartment and left. There was a collection put on our reports after the fact for XXXX. This was far more then even the remainder of time on the lease and they have not sent us a breakdown of whats owed and why. We have attempted to get this removed by going directly to the company in question but have had no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts  We found 1 change to your XXXX credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
I drove my car to work and while I was at work a hail storm came thorough and destroyed my car, I tried to keep the car and my Insurance co said that Santander told them that we had to turn the car over to the insurance co and we could not keep it I would of got the car fixed and payed the car off but that  was still not a option. and so I had no choice but to buy another car and be stuck with two car payments that I could not afford. The finance co is Santander phone # XXXX out of XXXX XXXX Texas my Insurance co is XXXX XXXX in XXXX Ks I would appericate any Info please XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Keynote Consulting, Inc.
State: CA

Complaint narrative:
Collection agency called my home at XXXX XXXX They can't call before XXXX XXXX  california law.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Collection from XXXX XXXX XXXX for {$210.00}. I do not owe this debt, I have had XXXX. I have disputed this balance and provided proof that I was with XXXX  at the time this balance was incurred.

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: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a credit card from Chase/XXXX that I did not apply for. Very disturbing that a credit card was opened in my name. Chase has still not told me how/why the card was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage took illegal funds from my Escrow to pay late fees on taxes that their Company was required to pay. I have been trying to get my Escrow straightened out since XX/XX/18 with the company. They keep on messing with my Escrow and make my payments go up every month.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
In response to CFPB:XXXX This dispute is not about my XXXX.Validation of people using my information is not a proper investigation, do not just put into XXXX. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. when making a dispute no number needs to be provided. you have an address to respond to or a cfpb portal response. whatever previous address you have for me was a fraudulent address, if you can kindly provide that address, i can do a proper investigation of my own.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for and received an American Express clear card on XX/XX/2018. There was a 60 day 0 % interest balance transfer offer included. The entire reason I applied for this card was to transfer high interest balances. During the promotional period I attempted several times to transfer balances from other credit cards, including cards from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. The American Express system each time said it did not recognize the card as being from a valid issuer. Since these cards were all from major issuers, I assumed it was a system error and went back to try again. I am now outside of the 60 day promotional period and XXXX is saying I can not transfer a balance. I explained the technical issues with the representative when I called in, but she offered only an apology, with no solution. I let her know I would be filing a complaint related to this. I feel like this was a misleading promotion as the system they provided did not accept the cards from major issuers and caused a lapse in the promotional period that they will now not honor, even after explaining to the representatives the multiple online attempts in their system. I would like to be able to transfer balances in the amount of the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I borrowed XXXX was supposed to be charged XXXX to pay back I been paying XXXX a month to renew agreement the balance stays the same until I have the whole XXXX the XXXX is just they money to keep its killing me it's not fair nothing comes off unless I have the whole XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings
State: CA

Complaint narrative:
In XX/XX/2008, I enrolled in the school I took 3 classes one class twice I dropped out in a timely manner, they ended charging me for the full program. I do not owe them that. I owe them completed 2 classes only.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
So I filed a dispute with Equifax, about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said they verified the information through the county where I live. I then responded to them and informed them that they cant possible verify information through the county of michigan, because the county does not  have that information and does not give that information to credit company 's and third parties. The verification would have to come from the federal bankruptcy court in which it was filed, and the clerk off will not also give that information to credit company 's and third parties. so this is proof that a fraudulent verification was conducted, or not done at all. and if they used XXXX I have a security freeze with this company., so since they are unable to verify this information please remove this incorrect form my credit profile IMMEDIATELY.

Company response to consumer: Closed with explanation
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: PA

Complaint narrative:
On XX/XX/2018, the servicing of my loan was transferred from XXXX XXXX  XXXX to Bayview Loan Servicing. The loan was originated in XX/XX/2018 and an initial payment was made XX/XX/2018, as XXXX XXXX required the loan to be one payment ahead to set up biweekly payments. Biweekly payments were set up and shortly thereafter I was notified that the loan servicing was being transferred. When the servicing was transferred, the balance on Bayview Loan Servicing 's website did not reflect the payment I made in XX/XX/2018. Additionally, they told me I wasn't allowed to make biweekly payments on the loan, even though I had already set up biweekly payments with XXXX. I spent approximately 8 hours on the  phone with Bayview trying to resolve these issues and found them rude and very unhelpful. The last I heard they were reaching out to XXXX about the missed payment. When I called to follow up, they told me it would be at least 30 days. My experience with Bayview thus far has been horrible and I am almost ready to refinance the loan so that I don't have to continue dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a checking and a saving account with citibank.com for a XXXX $ bonus. The webpage states How To Earn Your {$600.00} Bonus You must open a new eligible consumer checking and savings account in The Citi Priority Account Package until XX/XX/2018. 
Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. 
Upon completion of the requirements, the {$600.00} bonus will be credited to your new checking account within 90 calendar days. 

I opened the accounts on XX/XX/XXXX and deposited XXXX $ to the saving account and another XXXX $ to the checking account. The money has been with citibank for over six months. I met all the requirements and citi customer service acknowledge that. However, they just kicked the balls and promised dates for me, but never really deposit 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 explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is an update to my most recent complaint concerning USAA. The bank did not let me speak with the President, Vice President or CEO. Instead they had a specialist contact me by email which did not address the matter whatsoever. They stole my XXXX refund, told me I had no basis for a claim and reversed the credit they issued me and billed my account for it ( XXXX ) thereby limiting me to getting the refund from XXXX yet they stole the refund because ( I have no claim ) so they must give it back to XXXX so I may begin the claim process ( because they can not steal the refund AND bill me for a reversed credit ). Please have a senior officer contact me because there is serious corruption at this bank internally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2018 I received an email that someone was trying to access my account from unauthorized computerI immediately contacted my bank Wells Fargo ask them to place a freeze on my account which day did they said the only way to access my account would be too coming to the local branch and do transactions that wayI thought everything was fine few days later someone went in my account and sent my account into the negative {$1000.00} Wells Fargo said they would investigate it would take up to 90 days after their investigation they closed my account and trying to hold me responsible for the money taken out of my accountafter research I found it Wells Fargo has done this to several other people in the New York area this is not the first time that they've done 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 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Dear Sir/Madam from Consumer Financial Protection Bureau : Please reopen my Case No. XXXX-XXXX. Please refer to the letter below : Dear Sir or Madam : The information in Shellpoint answer to my original request and/or complaint has a lot of misinformation coming from Shellpoint that is why I sent the second complaint to make the information to you since you, The Consumer Financial Protection Bureau, in order to open a new case to be properly reviewed by your Office and by Shellpoint/XXXX  XXXX XXXX/XXXX  and the right answers to my question including what happens to the excess money if XXXX sells the home for more than the amount required to pay back Shellpoint and XXXX  XXXX XXXX because you already closed down my original complaint or case. If CFPB allows Shellpoint to answer incorrectly and incomplete information then where can consumers like us go to for help? I would just like to appeal to people with reasonable and logical way of approach for the best solution that will be most beneficial to all. Please note that XXXX  XXXX XXXX and XXXX did my family a great disservice and although the government penalized them for their mistakes or illegal practices, my family until now had suffered and affected by such practices. 

Please understand our plight and situation as the only request I have made is to give us the time and opportunity to properly sell the home in order that Shellpoint, XXXX XXXX XXXX, and XXXX XXXX XXXX will be paid properly. 

Again, we would like to know what happens with the extra money if during the trustee sale, the amount paid to XXXX is more than the $ XXXX+ amount required by Shellpoint and XXXX  XXXX XXXX because the current value of the home is {>= $1,000,000} to {>= $1,000,000}? 

Thank you very much for your help and quick reply. 

XXXX XXXX, Trustee of the XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation