vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied HAMP Tier 2 Loan Modification to BBVA Compass and requested them through certified mail and they asked me to send them more documents for their processing as enclosed evidence are true and correct copy of their requests and is in incorporate by reference as if fully copied herein. BBVA Compass have allegedly been attempting to modify my loan, nevertheless, BBVA Compass later refused and rejected, and thereby they forced me to pay off my whole debt loan. Payment in arrangements are in the verge of being process and in order for me to stay in my home, I found a buyer and asked once again BBVA Compass to re- consideration first approve my Loan Modification, in response of an alternative solution and possibilities while waiting for my buyer to close. I was trying to work on with my buyer and BBVA Compass always demands to pay off my loans debt in my home, at the same time, threatening me to foreclose, hereto a purchase contract enclosed ( a true and correct copy of the purchase contract and is incorporated by reference as of file of copied herein ). In spites of my diligence in assisting my buyer to close her third party financing ; BBVA Compass wanted to acquire said property and had no intent in mind to allow me to sell and close the sale of my buyer in order to cure my defaults. I had expended a lot of time and money and invested my entire life savings to my homestead and as such a great wrong was done by BBVA Compass. In my assertion that BBVA Compass were not dealing with me in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband and I initially had a home equity loan with Wells Fargo. They changed it without our consent or knowledge to a conventional mortgage.They claim that they could legally do so without my consent. In the process of switching, they inadvertently left my name off the loan. For several months, I failed to gain the benefits, credit wise as I noticed a decrease in my credit score ; I don't know if this error caused it or not. The most significant problem is that I try to pay off the loan ( in the amount of {$140.00} ) and they won't allow me to pay the loan off. They claim that there are almost {$5000.00} in recovery fees that must be paid first before they can accept the {$140.00} payment. I have been speaking to one associate to another trying to figure the exact origin of these fees and exactly what they are for. They told me that it was for a lapsed insurance policy. I provided documentation from XXXX XXXX and they still have fees and no one can tell me why. Also, I noticed on a statement that they paid insurance for me each month. They charged me the fee and then they waived the fee. Again, no one can explain why. I am supposed to have this loan paid by XX/XX/XXXX but nothing has been resolved over the past month. I should not have to pay for something that they can not explain and show that I owe. Furthermore, it is wrong to not accept the {$140.00} payment of my loan because of these fees that they can not explain.

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 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had three automatic payments come out of my account on Friday XX/XX/XXXX totaling {$79.00} causing my account to account to go - {$16.00}. With Wells Fargo if I put money in my account before XXXX XXXX the next day I wont be charged an overdraft fee. I deposited {$35.00} into my account before before XXXX XXXX on Saturday XX/XX/XXXX and then deposited another {$20.00} later that day only to check my account Monday morning and I see that I was still charged a fee which made my account - {$32.00}. I tried calling my bank to get the fees waived but because this is not the first time this has happened to me they would not waive them. I look at my account this morning to see that I was charged three more overdraft fees for purchases I had made that same Saturday when I had the funds in my account to do so causing my account to now be - {$130.00}. I have money coming into my account tomorrow but I will only have {$52.00} of that to last me until next week.

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 2019-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying for more than 10 days to fix an error on all three credit reports. Equifax fixed the error which was probably caused by their breach within 24 hours. I filed to have XXXX  also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX XXXX, XXXX  XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both XXXX and Equifax. I have tried to contact Equifax for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony continues to report fraudulent debts in my name. A JCpenny and Old Navy accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to Synchrony debt collectors back in XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an eviction on my report listed with the XXXX General District Court in XXXX, VA. The landlord is willing to write that this is an error on my report and should be taken off. When I call Experian XXXX XXXX  to ask how to do this, they say they can't see it and they can't help me and to ask the 3rd party company that does the credit checks, called XXXX XXXX. BUT I have a hard copy that shows this on a 3rd party credit check company that my new landlord used called XXXX XXXX. XXXX XXXX will NOT talk to you and says you have to talk to Experian as this is where the info is pulled from. I am going around in circles. This is completely UNFAIR and I need help asap. 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 explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This issue regards my Macy 's American Express credit card issued by AMEX/DSNB, XXXX XXXX XXXX XXXX, OH XXXX, XXXX. 

My credit limit was cut in half early in XX/XX/2019. I received no notice of the change from AMEX/DSNB. I learned of the change from an alert issued by XXXX that stated : " AMEX/DSNB lowered your credit limit to {$900.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. A reduction in your credit limit may negatively impact your Credit Score. '' Subsequently, I learned from AMEX/DSNB that my credit limit was lowered because of inactivity. 

MY COMPLAINT IS THAT MY CREDIT LIMIT WAS LOWERED WITHOUT PROVIDING ME WITH ANY NOTICE, AND THAT MY CREDIT SCORE COULD HAVE BEEN AFFECTED. 

The customer service representative at AMEX/DSNB informed me that they have no obligation to provide me with notice. If this is correct, I respectfully suggest and request that CFPB adopt a rule requiring issuers of credit instruments to provide customers with notice of any changes, including credit limits, to their accounts. 

AS A RESULT OF THEIR LOWERING MY CREDIT LIMIT WITHOUT NOTICE, I CLOSED THE ACCOUNT AND DECIDED TO MAKE A FURNITURE PURCHASE FROM AN ALTERNATIVE VENDOR INSTEAD OF MACY 'S

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 2019-07-30 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: GA

Complaint narrative:
Since Bayview took over the mortgage from XXXX XXXX company in 2018, there have been issues with Bayview not applying payments, adding " fees '' that are not ( in my understanding ) appropriate, and then sends letters stating that I am behind, when I am actually paying based on the figure settled with XXXX ( {$400.00} / month ) plus additional to cover any late fees. In XXXX, just after I separated from employment with XXXX XXXX, Bayview began sending letters stating that I was approximately {$1600.00} in arrears, even though I had had been paying monthly ( again, based on XXXX 's amount ). I viewed my Bayview account online today to see where Bayview actively held some payments, and applied others. Attached are documents showing the payments via XXXX XXXX bill pay, and additional documents ( submitted to Bayview ) showing a hardship that should resolve in the next two weeks ( car accident in XXXX prohibited my gaining new employment whilst receiving chiropractic care ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : ***Add Collection Details for the company ( Furnisher/Original Creditor XXXX Account Number ) Account Number : XXXX Collector : XXXX Original Creditor : XXXX XXXX XXXX Status XXXX XXXX Balance Amount : {$XXXX}

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 2019-07-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX  is reporting incorrectly to Equifax and XXXX a collection in the amount of {$5100.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) When I contacted the property manager and made payment arrangements, I was told that I would be receiving an itemized bill and that this account would be taken out of collections because I have been making the required monthly payments. This account is still showing up on my credit report as a collection. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: iQuantified Management Services, LLC
State: CA

Complaint narrative:
I was illegally balance billed by an XXXX ( XXXX XXXX XXXX of XXXX XXXX XXXX for an emergency XXXX  XXXX XXXX done in the emergency room at XXXX XXXX Hospital on XX/XX/XXXX. He was paid by my HMO but balance billed me for more . California 's Knox Keene act prohibits this and sets settling it between the doctor and HMO insurer. I sent a letter to the doctors billing department quoting the California law and its subsequent California Supreme Court ruling in support of it. 

I received a phone call from IQMS ( iQualified management services in Colorado ) on XX/XX/XXXX advising that it had been turned over to them collections. I advised the individual I spoke with that this was an illegal billing. She hung up and sent me a collection demand. I sent a detailed letter to them on XX/XX/XXXX describing the situation and the relevant law, and told them to cease and desist all communications with me. On XX/XX/XXXX, I received a letter from IQMS with a bunch of gobbledegoop billing stuff irrelevant to my dispute, violating the federal Fair Debt Collection Practices Act ( FDCPA ) since I had asked them to desist in calling, letter writing or any other contact. Included was a copy of my XX/XX/XXXX letter stating a cease and desist. 

The Knox Keene act specifically states that ER doctors must accept the HMO patient and if they dispute it, its between the provider and insurer and NOT the patient. 

Some of the goop I got back from IQMS claims that this is a " coinsurance amount ''. I had already exceeded my out of pocket maximum with my insurer prior to XXXX XXXX bill to me, so there can be no " co-insurance '' charged to me directly. 

I also had two contacts with XXXX XXXX, both of which told me it was not legal for them to make this collection and XXXX XXXX sent the doctor a letter advising him of such, which he ignored. 

If you XXXX XXXX XXXX XXXX you will see nothing but one star reviews regarding incorrect billing and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
This debt collection agency, assumes I have an acct with them, I asked numerous time to release proof of identification such as dL # and signatures along with records that I apply or put in a application of credit with this company the refuse to relinquish information. I would like for immediate removal from my credit as soon as possible. They keep send anonymous mail to my house, I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$5100.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) When I contacted the property manager and made payment arrangements, I was told that I would be receiving an itemized bill and that this account would be taken out of collections because I have been making the required monthly payments. This account is still showing up on my credit report as a collection. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
GM Financial # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
XXXX continues to report fraudulent debts in my name. A XXXX and XXXX XXXX accounts were fraudulently opened in my name without my consent and used fraudulently. The police report documentation was sent to XXXX debt collectors back in XX/XX/XXXX and they continued to report the debt anyways. I am requesting the credit reporting to be deleted immediately from all major credit bureaus. And notify the debt collectors to remove any credit reporting to the credit bureaus immediately. 

The XXXX police department file for this was filed back in XX/XX/XXXX. Police report - # XXXX, additionally a IDTHEFT report was filed XXXX these documents These records have continued to be reported and have continuously violated my rights and are major violations for reporting these debts anyways to the credit bureaus under the FCRA and FDCPA. As Section 623 states under the FCRA the data furnisher is fully responsible to gather all relevant information before reporting any debt of a consumer. This was never done. I have contacted the police department and XXXX XXXX XXXX stated no creditor or debt collector has requested the police reports from their police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Since last fall I have sent Freedom Mortgage numerous documents that they have requested, requesting hardship status and requesting loss mitigation. I continually get notices for the same paperwork, documentation that I previously sent and even updated my bank statements and updated wage information. To this date they have not even reached out to me and not let me know why I consistently need to send the same paperwork. I feel I am in a catch 22 of sending documentation over and over with no resolution. 

I would me more than happy to send all the documentation to you to show you what I have sent.

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 2019-07-30 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: FL

Complaint narrative:
I have been trying for more than 10 days to fix an error on all three credit reports. XXXX fixed the error which was probably caused by their breach within 24 hours. I filed to have TransUnion also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX   XXXX XXXX XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both TransUnion and XXXX.  I have tried to contact XXXX  for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is charging money to do a simple credit lock which is in violation of federal law! All they offer for free is a credit freeze which I don't want! You can't get a person to talk to as I tried them first!

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

Company response to consumer: Closed with explanation