vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX 2017, there was a hail storm in Colorado, on this day my car was damaged. It took a substantial amount of time for the insurance company to determine the damage. I was late on payments but never fell more than 2 weeks behind, never hitting the 30 day mark. 

On XXXX XXXX, 2017 my insurance company mailed a check in the amount of {$6400.00}.??, on the same day Wells Fargo removed my XXXX and XXXX payments both for {$340.00}, they submitted to my Gap insurance company and then put the payments back on the account. 

My understanding was the Insurance check was only meant to pay the principal off, not the interest, I could be wrong. 

On XXXX the XXXX I requested that Wells Fargo make an adjustment for the account as myself and my insurance agent had to make numerous calls to get this in motion. Given conflicting information on all phone calls. 

On XXXX the XXXX I spoke with XXXX, she stated that I could make a settlement payment of {$2500.00} and it would reflect on my credit and I would receive a 1099C for the additional. 

On XXXX the XXXX my mother in law called in to make the payment of {$2500.00}, she advised it was through an equity account, they took the payment. 

On XXXX XXXX, I called to verify the funds were received and wanted information on the title. Wells Fargo was unable to provide the information as they stated the amount was not approved, I was transfered from the office of the president to the XXXX back to office of the president. I informed that this matter needed to be resolved by XXXX. 

On XXXX XXXX, XXXX XXXX called, stated that the amount had not been approved because I would be over paying, XXXX still considered a settlement though ) I offered to not take a refund for the {$410.00} and just put that toward the car if it would lower the amount to be paid in full. XXXX hours later the payment was reversed in the account and shows a past due balance again. I called and spoke with XXXX in Wells Fargo Dealer Services ( collections ) she stated there was no manager in collections and that I could talk to the OTP. She stated since the funds were returned I could only make certified funds payment, I advised this was not my problem as we told them in the begining it was a home equity account and they took the payment. I spoke with XXXX in the OTP Case # XXXX she assigned it to XXXX : XXXX My car is up for repo on the XXXX if the payment is not received, I work and will be going out of town for a 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 explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The basis for my dispute is " Capital One Auto Finance '' Capital One Auto Finance was required to notify me prior to, or no later than 30 days after furnishing the negative information to credit bureau report XXXX XXXX XXXX, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One Auto Finance failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One Auto Finance is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Two months ago I got behind on my mortgage because of an account the charge on my bank account with out permission and caused a domino effect with checking account payments. I paid my mortgage to ditech and make arrangements to pay and additional amount to catch up. Despite that I received letter several time a week calls and a man knocked on my door and left a Mortgage Due letter on my door. I spoke to a representative who took my complaint about the harassing way I was being treated and she apologized. Because of caring for an elderly parent out of town, I did not make it home in time to pay my XXXX mortgage. I 've attempted to call Ditech multiple time to to make the payment because they will not allow you to pay online unless you pay the full amount. I 've had no call back by XXXX XXXX who received all mu calls on voice mail. Online my bill reflect XXXX unapplied amount in addition to XXXX late fee and XXXX mortgage that I have been trying to pay. What is XXXX unapplied I 'm not going to pay so unapplied amount I am not owing. No one answers XXXX it goes to a voice mail for XXXX XXXX XXXX and he never returns the call. I have been humiliated not being one full payment behind. My payments are XXXX I agree XXXX is due per the letter they send. But if I ca n't pay online unless I speak with someone. The automated line will not accept less then the due. That amount is not right. Charges that are applied as unapplied can not be legal. Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
this account was supposed to be paid by insurance company. I saw this debt on my credit report and discovered hippa was violated by disclosing the nature of services provided. FCRA-605 ( a ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XXXX/XXXX/2017 I submited an order online with XXXX XXXX XXXX. I received a " Happy Birthday '' {$15.00} NO EXCLUSIONS coupon. After submitting my order for {$100.00}, I checked the confirmation email and the coupon was not reflecting. 
Called XXXX XXXX XXXX and spoke to an agent who said that there are exclusions and to read the back. I told XXXX this is misleading because there is no indication on the front of the coupon where it says NO EXCLUSIONS in capital letters. I asked him to cancel my order, he said he could n't and that when I receive it I can return it to any store. This was not acceptable to me so I asked to speak to a Supervisor. He placed me on hold for about 2 minutes and came back to say that a Supervisor was not available, they were all busy and he would put in a request so one could call me back in 48 hours. Not acceptable and not good customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I left XXXX XXXX in XXXX of 2017 and enlisted in the XXXX and reported on XXXX XXXX, 2017, my PEBD. 

I logged in to Nelnet today and saw a letter telling me that they received my application for a military deferment. 

I never requested that. This was the first time I had ever logged on. 

I called the Nelnet Military line and was told this letter was automatically generated based on the information they get from the DoD database. 

This letter told me exactly how to get in a military deferment and made no mention of income driven repayment plans, which I learned about from XXXX XXXX XXXX, my financial counselor. 

This letter encouraged me to put my loans in a military deferment and even said I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company stole payments from my checking account then informed me they could n't take them and closed my account which violated that credit contracted signed at the beginning of the arrangment. They state they closed it because my payment was n't with a good account yet the contract states if my payment does n't work I have 180 days to pay my account when it 's in default and instead of fixing my very first payment on an account they lied to me to get, promising me a {$500.00} credit limit even approving me for a {$500.00} limit and only giving me a {$300.00} limit once they sent the card. This is a cheap lying company and I 'm opening a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: GA

Complaint narrative:
To whom it may concern : On XXXX/XXXX/2017, XXXX/XXXX/2017, and XXXX/XXXX/2017, I mailed Experian by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to properly investigate the issues that I have with the they and creditors. They 've also failed to provide me with factual and accurate information regarding the conclusion of their investigation, validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than Experian. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX 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 2017-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification with Bank of America about 9 months ago. After 3 months of submitting documents I was told I did not live in my house. This was not true. They had the documentation to prove I lived there. I then submitted additional documents to prove I lived there. This time they came back and said on their NPV that I could get 5.125 % over 40 years if I had extra income. My husband was able to contribute the extra income and we resubmitted. B of A sold the loan to XXXX XXXX XXXX but they are still the master servicer. This loan should have been modified along with others in the securitized class action lawsuit of the XXXX XXXX XXXX XXXX XXXX ( the trustee ) and Bank of America. since XXXX is the investor. Bank of America was aware of this and chose to ignore the instructions of the settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased items under 0APR promotion from Lowe 's following that made other purchases that were not under promotional interest. 
1. The credit card statements that followed does not show how to avoid interest by paying the non-promotional amount plus minimum amount required for the promotional purchase. 
2. Payments were automatically split to promotional and non-promotional regular interest. 
Company did have the option to apply all payments toward non-promotional balance but customer has to call in and request that option specifically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC
State: NC

Complaint narrative:
this debt was supposed to be paid by insurance. Insurance did not pay and the company said they would ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: WA

Complaint narrative:
Around early XXXX I began receiving suspicious bills, and debt collection notices from companies I have never had affiliation, credit accounts with as well as accounts I used to have but had paid off years ago. I did not pay attention to my credit for about a year, as I was homeless since losing my other home to foreclosure. After seeing this suspicious activity, I pulled copies of my credit reports from all the bureaus and saw many fraudulent accounts, addresses, and names associated with me. I slowly began to look into the matter and contact some of the account issuers and collection agencies yet they would not assist me despite being identity theft. Since I had been the victim of identity theft, I notified all of the accounts from the mail I received as well as all the credit bureaus ( Transunion, XXXX and XXXX XXXX I put freezes on all my credit files and filed an Affidavit of ID Theft with the XXXX. I also filed a police report with the local XXXX XXXX. I sent all my notarized evidence to all the credit bureaus as well as all of my signed and notarized Affidavits. Transunion responded to me today via mail that they are refusing to remove my identity theft/fraudulent items that I am the victim of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My mortgage loan is being transferred from CitiMortgage to XXXX XXXX XXXX ( dba XXXX XXXX ). I understand that the current loan provider is required to provide 15 days notice prior to the effective date of the transfer -- this was not done. CitiMortgage sent a letter dated XX/XX/XXXX as notice that did not arrive via USPS until XXXX XXXX for a transfer to XXXX XXXX effective XXXX XXXX, giving insufficient time to establish an online account for the XXXX XXXX payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I paid the debt to the collection company and they keep hitting my XXXX cerdit with new accounts and say that that new account is not payed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WAFD BANK
State: NM

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX I, XXXX XXXX have spent ( 1500 ) Hours on Identity Theft Solutions " working '' with the Credit Bureaus, Executives at Banks, Information Removals, Opt-Outs and Government Agencies. 

Since, XX/XX/XXXX my ' Bank ( Washington Federal ) is not. " TrustWorthy '' that is ' as, an XXXX Recipient. 

Made Causes for Reissuing Debit Cards Made Causes for Reoccurring Disputes Domestic UnLawful Activity Domestic Force Domestic Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: CA

Complaint narrative:
Three acct. entries on my Equifax report are incorrect and are listed under XXXX XXXX XXXX XXXX. XXXX. 

1. One acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX and closed in XX/XX/XXXX, Bal of {$0.00} says 120 days past due. I have no knowledge of this account. 

2. Another acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, bal. {$1.00}, past due {$1.00}, and in collections. I have no knowledge of this account. 

3. A third acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, monthly payment {$500.00}. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
As per my complaint, I have reasons to believe that there has been a gross misappropriation of funds that corresponds to my mortgage with Seterus Incorporate,  the loan servicer of my loan. It has come to my attention that a certain portion on my monthly payment can not be accounted for and no explanation of its escrow pay out can not be provided. 
My monthly payment of {$1300.00} has roughly been the same give and take a few dollars depending on escrow analysis, taking into account fluctuations in insurance, taxes, and PMI payments. My principal payment is {$190.00} and interest payment os {$620.00} Currently my taxes through XXXX XXXX  is {$1300.00} per year, taxes {$1000.00} per year, and PMI {$47.00} per month. My total monthly payment should be {$1000.00}. This has been going on for quite a few years and I am yet to receive an explanation or a statement which shows where my escrow payment have been going. I have reached out to Seterus and I have just been transferred from department to department, and as with every department, no one can account for this discrepancy. All these figures can be furnished at your request. I simply have not been able to get anywhere with this company. 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