vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I had a problem with mistakes made on my escrow assessment for next year. After finding all the mistakes I contacted my mortgage company.in XXXX of XXXX.After talking to three different agents I was finallly able to resovlve the mistakes. 

I was told by the last agent that the corrections would be reflected on my XX/XX/2018 statement. The corrections were made but they didn't make the adjustment on my monthly payment. 

Most recently I talked to an agent on XXXX to inquire about not receiving my monthly statement. She informed me they would be in the mail by end of the week.I told her that was not sufficent time to make my payment which due XXXX XXXX. All she could say was she was sorry. I ask to talk to her supervisor. She informed me he would have to call me back in an hour. I neverreceived a cal until five hours later. 

After explaning everything to the supervisor he said he had to get with the escrow people and would call me back XXXX XXXX. After waiting all day I did not receieve a retyrn call On Monday XXXX I calledmy mortgage company again. After waiting for a half hour I finally was connected with an agent. After asking him why the supervisor didn't call me he informed me they were very busy. I asked to talk to his supervisor and he said there wasn't one on duty. 

I asked the same agent if they were going to extend my grace period because I hadn't receieved my statement yet. He informed me I did receieve oline. I told him I did not sign up for paperless billing. He once again told me I did receieve my staement online. I once again told him it was not proper because I didn't sign up for paperless billing. 

Eventually the agent hung up on me. I have not received a return call from the supervisor and still haven't received my monthly statement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 XXXX XXXX original Capital one Bank total {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
Attempted to make pays, but could not pary the amount they wanted. XXXX dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ XXXX {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
Cavalry SPV I , LLC as assignee of First Investors wrongfully filed a proof of claim with the XXXX  District of Oklahoma courts. This debt buyer cant prove that you owe the debt, the statute of limitations has passed, debt buyer cant prove that it actually has the right to sue you because I've never received anything from this company nor this company/companies on my credit report. This debt buyer is providing robo-signed or false affidavits regarding a so called debt against me. This company has several different states listed, it has Georgia and New York. They can not sued me in a state where I do not live or did not sign for the debt. This is fraud and they are trying to defraud the Federal Bankruptcy Court of XXXX  Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I spoke with PennyMac multiple times in XXXX, including once with a supervisor named " XXXX '' on XX/XX/XXXX who confirmed a mortgage payoff amount of {$110000.00}, that a demand statement in the amount of {$110000.00} would be valid through XX/XX/XXXX, and that a payoff demand statement would be faxed to XXXX XXXX XXXX the following day. 
XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX to advise that PennyMac had chosen to not respond to the title company 's request for a payoff demand statement and had told the XXXX XXXX XXXX XXXX that there was no payoff demand request that had been found. 
I called PennyMac with the XXXX XXXX XXXX employee on the line with me. The PennyMac employee that took that call stated that they found the payoff demand statement, valid through XX/XX/XXXX for the amount of {$110000.00}, and that it would be faxed to XXXX XXXX XXXX XXXX that day. 
The following day, XXXX XXXX XXXX contacted me to advise that they still had NOT received the promised document. I called PennyMac once again and remained on the line until the payoff demand statement was faxed to XXXX XXXX XXXX XXXX. 
The sale closed on XX/XX/XXXX. XXXX XXXX XXXX XXXX recorded the sale and disbursed the funds to PennyMac to pay off the mortgage. 
The day after closing, XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX stating that PennyMac had sent a second payoff notice with the same XX/XX/XXXX expiration date demanding an additional {$240.00}, threatening to increase the amount if not paid by the end of business XX/XX/XXXX, and threatening to return the amount of {$110000.00} and foreclose and auction a property that they had already received full payment on. 
I spent over an hour on the phone with PennyMac on XX/XX/XXXX trying to find out why there was a sudden difference in payoff amounts. I spoke with supervisor XXXX XXXX, who said she could not communicate with the payoff demand department and thus could not provide an explanation. She did not provide a phone number for the payoff department or provide any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
On or around XX/XX/XXXX I received a letter from " The Best Service Company '' attempting to collect on purported monies owed by their client " XXXX XXXX XXXX XXXX  ''. Subsequently upon receiving this notice I immediately contacted their company and requested pursuant to the Fair Debit Collection Act to provide me proof of validation. 

Subsequently on XX/XX/XXXX I received a package sent to an address I have not been associated with for well over five years and forwarded to my new place of residency. Included in that package was an application for membership with an address I have not lived at for almost 15 years but dated XX/XX/XXXX. Secondly the application provided my mothers maiden name as " XXXX '' which was never a name my mother has been associated with. 

Lastly, in a further review with our attorney we noticed a secondary signature of a persona I don't know or have ever been associated with me. In addition and according tot he review of the application it indicates a copy of a valid identification was provided which I previous requested but they have failed to adhere to this request. 

In closing, it was very clearly stipulated that this account was opened fraudulently and the original creditor was issued a police report. I requested copies of a valid identification due to the incorrect and fraudulent information included in the documents which to date has not been provided. In addition the signatures provided were clearly fraudulent and they have failed to provide accurate information. Instead their organization has acted like the judge and jury with fraudulent and frivolous information and they have failed to adhere to the requested documentation and properly communicate with the client prior to collecting on a well documented identity theft materials provided.

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 2018-02-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Attempted to make pays, but could not pary the amount they wanted. 500-600 dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ 500- {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Home Mortgage ( WFHM ) originated the mortgage on my primary residence in XX/XX/XXXX which it sold to XXXX XXXX without any informing me, which is the current note holder. WFHM only services the loan now. Several requests for loan modification to WFHM have been denied since XX/XX/XXXX. I had to file Ch XXXX bankruptcy in XX/XX/XXXX to prevent foreclosure and made another request for loan modification which was also denied. This forced me to convert to Ch XXXX bankruptcy in XX/XX/XXXX. Finally on XX/XX/XXXX, I received a discharge, which included discharge of the mortgage debt. To satisfy the mortgage, I have initiated a short sale process by submitting an offer to WFHM on XX/XX/XXXX. 

Simultaneously, on XX/XX/XXXX, the law firm, XXXX XXXX, representing WFHM & XXXX has sent me a Notice of Foreclosure sale scheduling an auction sale on XX/XX/XXXX. This notice was received by me on XX/XX/XXXX. This is absolutely inappropriate when I have made a short sale offer to WFHM. My lawyer is in contact with the law firm to stop foreclosure so that the short sale process can proceed. 

I have contacted my Home Preservation specialist at WFHM today regarding this issue. She has assured me that this issue has been forwarded to the appropriate Liquidation department which will address it in the next few days and get back to me. But in the meantime, I have decided to file this complaint to make sure that the foreclosure is cancelled and my short sale offer approval process moves forward without any further delay.

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 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There is no way I can pay this bill off when every time I make a payment they turn around and charge outrageous interest charges. My bill payment fluctuates from month to month, so I never know what I will have to pay until I get notice through my statement. I have never missed a payment and it's a complete struggle to make these payments and never get ahead, There have even been times when I've made the requested payment and then, after receiving my payment they will charge so much interest that it takes my account over the limit. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: EQUIFAX, INC.
State: OK

Complaint narrative:
In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XXXX The company let me know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. Here it in XXXX and the case is still being reported as Open and late on Payments. The company is XXXX. The have reported to the three credit bureaus antiquated informations on my name for the last seven years. They have stated that i have an education loan from XXXX and XXXX and reported that I have been late. The account was discharged in my bankruptcy for the school not being accredited. Every month XXXX is playing with my credit score, they will report it closed, then open, then up to date. This is causing a great deal of stress on me and I am in the process of filing a lawsuit.

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 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a Quicksilver MasterCard issued by Capital One. I started to make my monthly payments as usual, but it got to the point were the payments were too high for me to handle. The credit card payments became an issue. It all led to them sending me to collection, even though I contacted them many times to resolve the issue. Now, the credit card shows a derogatory on my credit report. I did many follow-up calls, to see if this issue could be handle. This lead to nothing, and no one that could have a response for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
IT HAS COME TO THE ATTENTION OF MYSELF AND MY HUSBAND THAT CITBANK XXXX, HAS BEEN TAKING DOUBLE PAYMENTS FROM MY XXXX ACCOUNT AT MY LOCAL CREDIT UNION. IT SEEMS GOING THROUGH MY LAST YEAR OF STATEMENTS IT HAS GONE ON FOR ATLEAST SINCE XX/XX/XXXX ... 

CITI BANK DID STATE TO ME VIA RECORDING THAT THEY DID MAIL OUT DUPLICATE CARDS BACK IN XXXX AND XXXX OF SOMETIME NOT SURE OF THE YEAR SINCE WE HAVE BEEN MEMBERS SINCE XXXX. ARE CARDS HAVE BEEN PAID IN FULL AND HAVE NOT BEEN ACTIVATED OR USED SINCE XXXX, XXXX. IN XXXX. 

PLEASE LET ME KNOW HOW TO GET THE COLLECTION CALLS TO STOP AND THE FREEZE TO HOLD ON MY ACCOUNT SO THAT IT WILL STOP GOING UP. I HAVE SPOKEN TO XXXX IN FRAUD, XXXX, AND SEVEAL OTHERS AND KNOW ONE KNOWS WHATS GOING ON. 
I HAD MY IDENTITY SOLEN ... AND JUST FOUND OUT IN XXXX OF XXXX. I FILED WITH XXXX AND HAVE A FILE # AND WITH SOCIAL SEC. 

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 2018-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been a capital one client for over 16 years opening my first credit card account with them in XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even capital one agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX  Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood. 

2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car. 


XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
So I had XXXX internet for about one year and 4 months when I decided to cancel my two year term. They said it there will be a fee for cancelling since I'm in a 2 year term. So they gave me the option to suspend my acct meaning it will be temporally be disconnected for the remaining 8 month for a fee of {$7.00} each month with a automatic closure after 8 months that way I don't get charged a fee for closing my account before the term was up. After my 8 months was. Account fully closed. Out if nowhere I get a huge bill. Very unhappy with this bill. I have been working really hard in repairing my credit but it's so hard with this unaffordable bill. If I had money I would of just paid it just get it over with. So I heard maybe this website will be able to help me with this. Thank you for the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: KEYCORP
State: OR

Complaint narrative:
On XX/XX/2018 my husband and I applied for a joint consolidation loan at the Key Bank, in XXXX, OR. The loan officer was very polite, and engaging. On XX/XX/2018 he called us to inform us that we were denied based on 3 years ago prior late payments on my personal record. At that moment, I told him we would like to apply for just a car refinancing loan only in my husband 's name ( because he has good credit ). The loan officer, XXXX XXXX, then informed me that they do not give loans to XXXX. ( My husband is a legal XXXX XXXX. ) At that point I replied that I felt that this policy was racist, and discriminatory. 

Therefore, I would like to make a discriminatory complaint against Key Bank. I also called the XXXX number and the customer service lady confirmed that whatever the criteria for " underwriting '' for Key bank 's loans policies are, which the loan officer stated, was what Key Bank goes by. Therefore, it is obvious that this bank is discriminating against legal XXXX XXXX. ( My husband has a 10 year XXXX XXXX, Social Security Card, Oregon Drivers License. ) Please submit this discrimination claim. Thank you.

Company response to consumer: Closed with explanation