vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Hello, During the origination process of my loan for my house that I bought, loan officer, XXXX XXXX from Quicken Loans, informed me incorrectly of the percentage of home value to loan value that I would need to have my pmi removed. The house I bought needed a good amount of work so I was deciding what percentage of down payment I would make. I had enough money at the time to make almost a full twenty percent down payment but wanted to do less so I could renovate the house. I knew that the house would rise in value significantly due to the renovations so I discussed with XXXX how I could remove PMI early. He told me that with a 5 percent down payment and figuring in about 6 payments that I would owe around 380,000 on the house. Base on a 80 percent home value to loan value ratio, I would have to reappraise the house at {$470000.00} to be able to request PMI removal. Well I decided that was feasible so I put down 5 percent, did my renovations and then called back quicken to request an appraisal to have my PMI removed only to be told that the the equation is based on a 75 percent ratio. I filed a complaint with them and they opened an investigation in which they said they found no proof of the conversation I had with XXXX so they could not help me. They suggested calling my loan holder Fannie Mae to see if they could do something for me. Fannie Mae did nothing because Quicken will not admit to their mistake. Now I am stuck paying an extra {$330.00} in PMI monthly due to Quicken loans mistake. I have been in touch with some of Quicken Loans vp of customer service, and magically today she admitted to me that she found a conversation where I was misinformed by XXXX XXXX. Now even though Quicken has found that they did indeed make a mistake they are still refusing to honor what they said, effectively screwing me out of a lot of money. 

Facts : I have an appraisal in hand for {$480000.00} for my house. 

I have bank statements from when the loan was originated to prove I could have put down at least 10 percent which would have allowed me to have the PMI removed at this point even with a 75 percent ration. 

I will effectively pay over {$6000.00} in PMI that I shouldn't have to pay due to Quicken loans not informing me correctly. 

I will in the near future not be able to pay the extra {$330.00} in PMI. 

Please help me with these people as I feel as though I have been bamboozled by them. People in their position should be able to properly inform clients with the correct information when making a 30 year {$400000.00} dollar decision. 

They should pay for their mistakes, I shouldn't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( AD ASTRA RECOVERY SERVICE ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have a PayPal account. I discovered that PayPal had frozen my account. I have written them and called many times. I have submitted paperwork including my drivers license and bank account statement, which they indicated they needed as proof of change of address ( I moved ). I was hoping to unfreeze and use my account. I have been waiting more than two weeks since the last interaction. They told me unfreezing the account would take 2 days. ( I got through to a real person one time. ) Ever since I got through once, I can no longer get through to them and there are no methods available to email or contact them. My emails get bounced back as no reply. And my calls get answered by an AI system, and then they hang up on my no matter how I try to get through. At this point I have been trying to close my account. I can't do it. I tried using the " close account '' process in my account once I login. It does not work. The process results in an 'error. ' I am not sure if I had funds in my account, but it is currently at a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/2018 I sent a certified letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: IL

Complaint narrative:
I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( XXXX  XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation
State: PA

Complaint narrative:
XXXX is trying to get payment for things that were discharged By XXXX XXXX almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: IL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX, XXXX and Transunion in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified USPS and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information

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 2018-08-29 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: PA

Complaint narrative:
I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA 605B which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all XXXX credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
convergent is attempting to collect on the debt that is not valid. They claim to be collecting on behalf of XXXX which I was never in default still have my account active and current. I did request validation from XXXX the original creditor who stated there are NO past due account or collections in my name however convergent is threatening to garnish wages and to sue me for this erroneous account please help me stop this scam

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 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen began foreclosure before proper notification to the homeowner totally iillegal

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 2018-08-29 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: I.C. System, Inc.
State: TX

Complaint narrative:
i recently noticed on my credit report a debt collection. This collection is for {$78.00} and was added to my credit report on XX/XX/2018 from IC System. A collection company I have never heard of. This reporting is inaccurate and laws have been broken. Now we all know that collection companies buy debt and do such illegally. Also, we know collection companies will call, harass and threaten consumers to get money they paid another company for your debt. Also, even though a collection company buys debt, the consumer can still pay a debt to the original company. However, this company that added this supposed debt did not follow the law. According to law, you must first contact the consumer and make them aware of any debt to that is owed and be sure a debt is even owed, then you must send something in writing and give the consumer time to agree and make arrangements. Furthermore, this company failed all aspects. I know nothing on this debt, was never contacted by any means and I have not signed any legal document in regards to this company. I have contacted my local postal carrier and it shows nothing from this company. Now I have contacted my local attorney general office and family attorney on this matter.

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 2018-08-29 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: IA

Complaint narrative:
From XX/XX/XXXX through the beginning of XXXX, Wells Fargo charged over {$2000.00} in overdraft fees on an account that they eventually closed for " insufficient funds. '' My thought process is if they hadn't charged over {$2000.00} in overdraft fees, the account would not have needed to be closed for " insufficient funds. '' In fact, some of the {$35.00} charges were for amounts less than {$35.00}, which means that if overdraft charges had not been charged so needlessly and frequently, the account could have been in good standing from XXXX or XXXX onward.

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 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have received several phone calls about a debt from XXXX XXXX. I am aware of the debt and working to resolve the issue however I am now unemployed due to me being XXXX XXXX for several months and my daughter was also injured in an XXXX   and has been in and out of the hospital repeatedly with XXXX. I currently have no income at all and and am not receiving any type of government assistance. I am expecting to return to work in the Fall. On XX/XX/2018 at XXXX I received a threatening phone call from XXXX XXXX from someone name Specialist XXXX from the number XXXX ext XXXX. He has left several rude messages howeve this one today he was rude, threatening to take action, using inappropriate language and yelling into the phone screaming saying I better return the call. I returned the call and ask him for his name after giving him mine. He refused and said give me your address. I said Im not providing anything until you tell me who you are and what debt youre calling about. He starts screaming saying, you called here and you need to provide me with what I asked for. I said you called me and Im returning the call to try and settle this. He started yelling and saying I already know how Im going to rule on this so it doesnt even matter. I said do what you have to do, because if I was trying to corporate I wouldnt have called, so he starts again and threatening me. I hung up on him and called back to speak with a supervisor. This person didnt provide her name and claimed to be a supervisor and said she would review the call and that behavior wasnt appropriate. I said I will be filing several complaints and forwarding that message to the authorities and other platforms to file a complaint. I will handle the debt as soon as possible, however Specialist XXXX is not to contact me ever again on this matter. I have 15 years of XXXX XXXX experience and that message he left on my voicemail and his calls are threatening and harassment and I feel threatened at this point by this company and representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: IL

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX  in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified XXXX and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC
State: PA

Complaint narrative:
I was contacted by the debt collection agency on XX/XX/2018 by phone call and email. I contacted my employer about my health insurance company throwing me into collections as I have health insurance through them. I also reached out to my health insurance company. Both my employer and my insurance company told me that this sounded like a fraudulent attempt at collecting money from me. I told the agent XXXX by email on XX/XX/XXXX that she should no longer contact me by phone and that I would like written proof of this debt as none of her information matched anything I had. She sent me an email on her company letterhead stating I owed money to XXXX XXXX. The termination date for my insurance does not match what she sent me. I asked her not to call me, that the debt was disputed, and that I wanted proof of this debt. Instead I got two more phone calls and another email. After specifically stating in my XX/XX/XXXX email that I did not want to be contacted by phone, I have since received multiple phone calls, the latest of which was today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST
State: NM

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of The West to apply for a mortgage for a 2nd home. All went well - I received a letter dated XX/XX/XXXX that my loan application had been approved. I was charged for an appraisal in the amount of {$490.00} on the XXXX. 
All paperwork they required from me was sent in - I received a call on XX/XX/XXXX from XXXX XXXX at Bank of the West that we could the close as early as XX/XX/XXXX. I contacted the seller and informed them of the information regarding the close. 

On XX/XX/XXXX I received a call from XXXX XXXX at Bank of the West stating that the Condo Safe Questionnare, which was not sent to the management company until XX/XX/XXXX, had come back stating the PROPERTY didn't qualify. Not that I didn't qualify - the property itself didn't qualify. 

I contacted Bank of the West and filed a complaint stating they should have vetted the property FIRST to make the sure the property qualified BEFORE ordering an appraisal. If the property didn't qualify, if they had done their due diligence, even if it caused the loan process to take longer, then that information would have saved me time and money. Now I have wasted the entire month, and also incurred a needless appraisal fee. 

I requested a refund of the appraisal fee from Bank of The West because they should have vetted the property and sent the Condo Safe Questionnaire IMMEDIATELY to the property manager. An appraisal should NOT have been ordered until they knew that the property would satisfy their requirements. 

Bank of the West is refusing to return any/all of the appraisal fee, which I think is totally unfair and inappropriate.

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 2018-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX of XXXX I took out a XXXX loan as a parent for my son at XXXX University XXXX, Ohio He graduated in XXXX and payments began In XXXX, Navient suddenly and without warning took over this loan I went from being eligible for XXXX, XXXX Teacher Forgiveness Loan, and YES I qualified in every single way from my teaching experience and school district requirements needed to get this help But no, Navient says we are now PERSONAL loan, not Federal Sorry, you are not eligible! 
1. First off, when this happened in XXXX, I put in writing they just " took over '' this XXXX loan without any input from loan recipients like myself. There are SEVERAL states suing Navient for THIS very reason!! 
underhanded, sneaky and not forthcoming at all. 
Ohio has not joined yet but soon I heard Meantime I want a lawyer to sue these thieves They said THE only way I could lower my payments in XXXX when my husband XXXX was to refi the loan with THEM!!!! 
So strapped for cash because my husband 's XXXX meant I lost XXXX a month in money, I signed on. They KNEW they had me trapped ... : ( : ( I would like CFPB to give me a lawyer referral in Ohio so I can start my own class action suit I will sue for the XXXX I know I am qualified for in Teacher Forgiveness AND sue for 6 years of interest and the extension on my loan till I am XXXX XXXX XXXX ... ... XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
Diversified Consultants called my husband at work today in refrence to an account that has been placed with them for collections. the first gentleman that we spoke to stated that the account was from XXXX place but when I asked for a boss I was told another place. I have asked for them to cease and stop calling us until they could provide us with proof of the last payment and the amount and the true creditor. they have advised me that they do not have the ability to provide those docs. I would love to attach docs but they cant provide them

Company response to consumer: Closed with non-monetary relief