vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
XXXX XXXX  was my mortgage company. I hired a law firm to help me get a reduced interest rate from XXXX XXXX because I had 2 loan modifications with XXXX XXXX but I was told the mortgages were fixed 30 year mortgages. Howver, each time the interest started low and ballooned to over 6.5 %. So I did not want to modify my loan with XXXX XXXX a third time. XXXX XXXX and my attorney ( XXXX XXXX ) at XXXX XXXX XXXX was negotiating my mortgage loan and in XX/XX/XXXX in the middle of the foreclosure prevention negotiation, XXXX XXXX transferred the loan to Fay Servicing. Fay Servicing has refused to reduce the interest and has tried to force a foreclosure or have me pay {$18000.00} to reinstste the loan. I thought I paid the amount to reinstate the loan by wire transfer from my XXXX XXXX to the Federal Reserve to Fay Servicing. As it turned out the money that the Federal Reserve put into the Fay Serving Account at the XXXX XXXX XXXX, was stolen. The account may not have been a valid Fay Servicing Account at the XXXX XXXX XXXX. That was onXX/XX/XXXX. The wire transfer money was due XX/XX/XXXX. On XX/XX/XXXX my attorney contacted me to tell me that Fay Servicing did not receive the {$18000.00} that was wired from the Federal Reserve. Now, today I receive a letter from Fay Servicing asking for {$20000.00} by Friday XX/XX/XXXX to reinstate my loan. Fay Servicing will not reduce the interest rate or put the reinstatement fee back into the loan. Considering that I made the initial reinstsement amount in good faith just 2 weeks ago, I don't feel that Fay Servicing is being reasonable to try to foreclose on my family home that I grew up in and that I can afford to keep by making monthly payments at a reasonable interest rate. I need your help in understanding why XXXX XXXX would not negotiate and why XXXX XXXX transferred the loan after trying to foreclose on my property. But, currently, XXXX XXXX is advertising new mortgages on the radio that have 3 % interest rates, Secondly, I need your help in getting Fay Servicing to reduce the interest on my mortgage .loan and put the reinstatement fee back into the mortgage loan or let me make payments to pay the reinstatement fees. The wire transfer was stolen by being wired into an account that was named Fay Servincing at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Unlawful foreclosure. I have submitted a full and complete loan modification application to XXXX XXXX XXXX regarding my mortgage loan currently in active foreclosure. Pursuant to California s Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to our loan modification application. Active foreclosure sale date scheduled for XX/XX/ 2019, must be canceled immediately. 

We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.

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 2019-03-12 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: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.

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 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX is reporting an account on my credit report that I have no knowledge of. I have asked them multiple to provide me detail about this account such as doctor name, full account details, documents with my signature, etc. The only thing they have sent me was a type letter from them. This does not provide me any information to research the account. Furthermore, the letter was sent to a family member address and not mines. I have family members with similar name, and I believe this account may belong to one of them. XXXX has not sent anything I have asked for, yet they continue to report on my credit report stating the account is accurate. Its obvious that have not research it because the address is even incorrect. Also, I have the right to know what they are collecting to confirm if the charges are correct. I need this account removed from my file immediately. XXXX is violating my rights and damaging my credit.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Unlawful Foreclosure. I have submitted a full and complete loan modification application to Home Point Financial regarding my mortgage loan currently in active foreclosure. Pursuant to California'ss Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above referenced property until you have provided an answer to the our loan modification application. Active foreclosure sale date scheduled for XX/XX/2019 must be cancelled immediately. 

We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
I previously submitted a complaint thru the CFPB regarding this company, and their response stated they took action to prevent their customer 's information from being sent to me. Again, on XX/XX/XXXX, I received an email stating that their customer received a transfer from someone. They, again, sent me all the transaction details for an account that does not belong to me ( transaction XXXX ). Xoom needs to delete my email address from their systems immediately. The email address is not registered to XXXX XXXX XXXX, and I should not be receiving transaction details - this is a violation of XXXX 's privacy rights. This is the third transaction I have received details for - in addition to XXXX on XX/XX/2019 and XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: WA

Complaint narrative:
I applied for Amex Gold card in XX/XX/2018 and was promised to have bonus of XXXX points. I was not told that I was not eligible for receiving the bonus before and after I submitted the application until I checked with customer representative 4 months after. Typically, American Express shows a pop-up to indicate when you arent eligible for a signup bonus. Strangely, even when no pop-up appeared, I still have been arbitrarily denying the bonus by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Received two gift cards XXXX XXXX ( {$50.00} & {$100.00} ) for a total of {$150.00}. 
Cards were to be used now, XX/XX/XXXX. The cards were purchased & given in Connecticut. 
Account information is not available & cards have been rejected by local merchants. Called customer care ( XXXX ) where no assistance is available. Specialist could not find account information. No remedy was offered. 
The website ( XXXX ) does not provide any additional method to contact the gift card provider. 
At this moment, US Bank & XXXX have stolen {$150.00} of funds due to me.

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 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello CFPB, Navient has told me over and over again that my private loans only get a forbearance like 3 times. I've been laid off since XX/XX/XXXX and I have not found another job yet. I live in a village about XXXX people. There are no jobs. I have been trying. My sister just passed away and it takes time to get through something like this in the family. Navient customer service has been unreal. I call the customer number and explain many times over my situation. I feel duped by this company. This company has no empathy for someone like myself. I get laughed at by the XXXX  who said I call their Customer Advocate and get a claim. But then they give me these numbers that only bring me back to them over and over again. 

So do I need to get a lawyer? I have asked many times over how much have I paid in in interest payments to them the past 9 years? I'm told for a loans of ( XXXX ) I will have to pay until XXXX. Seems unreal to me. I can't believe the customer service ethics. They don't care really don't. No one seems to understand that if you don't have money you don't. 

10 years ago who were to think that this would happen? No career job and the hype of these loans? Also my co borrower is my mom and she is XXXX years old and not feeling well. They keep calling and harassing her all the time. 

I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Good Morning, I am reporting Equifax for a second time as I have a 7 year Fraud Alert as I have been a victim of identity theft. 

I reported Equifax prior to another incident as I was never notified or contacted as per the direction of the law and the point of having a 7 year Fraud Alert. 

This second ( Current ) Incident my credit was ran 4 times in the Month of XX/XX/2019 on these dates XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX As a victim of identity theft there are steps in which that need to be followed. And yet again Equifax has not handled this per protocol. No contact was made to me regarding these inquiries. And it is beyond belief that I have to report them a 2nd time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I applied for the TD Bank XXXX Visa card, which awards XXXX XXXX miles after spending {$1000.00} in the first 90 days. I met this requirement. However, the miles did not post. 

I called in inquiring about this, and the customer service representative said that she could see them on her end, but they were not displaying on my end due to a computer issue, and the update would be fixed by the next morning. They were not. 

The next time I called, I was told they were not open on the weekend. 

The next time I called, I was put on hold, then transferred to a survey after which my call uatomatically ended. 

The next time I called, after waiting on hold for 20 minutes, I was transferred to the reservations department to make a reservation, despite that not being my issue. 

I am getting sick and tired of being on hold, and desperately need these miles to make a reservation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have a fraudulent auto loan reporting on my credit that I did not sign for under any circumstances. This matter has been lingering around for sometime on my credit causing great hardship. My financial freedom has been limited for almost the past decade. I have no idea how this could have taking place without my consent.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19 a credit card that i had for a year was closed without notice. I had auto payments and was locked out of the account and could not see any information. Was told I would recieve a letter. Today I received 3 letters from the bank 1 was a statement witha late fee the second was the notice that the account was late and the 3rd was a notice dated for XX/XX/XXXX saying that the account has been closed. I don't feel I should be incurring late fees on an account I have no ability to pay online and was set up for auto payments which they canceled when the closed the account. I feel they did this on purpose with the intent to try to damage my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Purchased a prepaid card for my grandson for XXXX. On XXXX XX/XX/2019 he ( XXXX years old ) attempted to purchase an online game for download. His computer did NOT have enough GB for download. I have been attempting to resolve this issue for 2 months now. They want to deal with my XXXX year old grandson, I am the adult, his account is attached to mines, he gets his money from me transferring funds to him. They can see this in the system. However, 2 months later I still don't have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: FL

Complaint narrative:
I went to a XXXX gas station in XXXX XXXX Florida XXXX that I used charge me {$0.00} for gas when I got my card it is trying to charge me {$50.00} for gas that I never got I only got {$0.00} in gas and the pump stopped now the XXXX is keeping my {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CA

Complaint narrative:
I have complained several times to Experian that there is inaccurate information on my credit report. They have not adequately explained why the information is on the report and their supposed investigation just seems to be to believe the debt collection agency instead of actually investigating the report. They have not shown any evidence that the debt reported is an actual debt that I owe. 

The specific debt on the report which I have attached is from XXXX XXXX XXXX XXXX. The original debtor they list is XXXX XXXX XXXX XXXX. I have never had any direct relationship with XXXX XXXX XXXX XXXX. The company I work for has had a relationship with this company in the past although my employer also doesn't owe them any money. I've spoken to XXXX XXXX XXXX XXXX and told them I don't owe them any money. I've also disputed this with Experian but they did a meaningless investigation and did not share anything they found with me.

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 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Mailed validation of debt XX/XX/19 and no validation received, but only receiving a communication XX/XX/19 indicating the inability to properly investigate because 30 days wasn't a sufficient amount of time to validate alleged debt. 
Debt buyer, though no validation has been received of authority or contract of authority yet continues to report to the bureaus without updating that the account is in dispute. 
Multiple violations under FDCPA.

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 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In the month of XXXX I checked my account on line and 2 unauthorized checks was cashed. I contacted Wells Fargo fraud department and report my check book stolen and filed a dispute for the amount of the 2 checks with Wells Fargo. Wells Fargo did a investigation and was unwilling to assist in helping the matter. stated me to contact whereto checks was cashed which was XXXX  XXXX XXXX. XXXX   XXXX XXXX instructed me to contact Wells Fargo because the money was insured with Wells Fargo and that is the bank that I'm with.

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 2019-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
XXXX XXXX. 

36 month lease on a XXXX XXXX  XXXX. End of lease XX/XX/XXXX. Lease paid on time every month {$920.00} 33 installments all on time. Vehicle was turned in with 2 key fobs end of lease fee was paid {$330.00} even with an initial payment of over 5k. Vehicle was also turned in with an upgraded wheel including OEM 20 '' tires and TPMS. BMW Financial did not close out the lease in addition tacked on another {$900.00} in unknown fees. Several disputes have been filed with the credit bureaus. I even went to XXXX XXXX XXXX XXXX, NJ directly to resolve the problem to which they said on numerous occasions it will be fixed. Then XXXX of XXXX sold the vehicle at auction with the more expensive wheels and tires I Paid for and I was not reimbursed. They still several months later have no provided me with any documentation on what the extra fees are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I have multiple student loans, all private and I would like to address the issues one at a time. Two of my loans are through CITIBANK, now sold to XXXX. They total XXXX but I owe more than I started with. I have made all the monthly payments, as suggested by them, yet my principal is more than I have started. I have zero late fees. In fact, my total payments so far exceed the original principal amount. 

With total private loan amounts exceeding XXXX, I need all the help I can get. I researched CITIBANK and noticed there has been a lot of litigation about misleading information and essentially mistreating the borrower. In addition, I have not been able to report any of my loan information when filing for my taxes since it was not available. This was also mentioned in the law suits. 

Can you please help? 

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