vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I was just recently notified by my credit bureau that my score dropped over XXXX points. I immediately went online to check it out to find that CapitalOne was reporting me over 30 days delinquent. I knew I had not used the card so I immediately thought fraud. However, after calling CapitalOne, I was informed it was from the annual credit card fee and by now received XXXX late fees. I did not receive any email notification or any statement in the mail. I checked everywhere. CapitalOne agreed to waive the late fees and update my credit bureau. However, they are unable to expedite the request and force report to the credit bureaus. I am in the process of purchasing a mortgage and as a result I will be charged a higher interest rate, my mortgage payment will be higher, and delay the process of purchasing our home. This is XX/XX/2017 and a credit card company can not expedite a credit bureau update per their error? They stated I would have to wait till the account cycles. That is three weeks from now. This needs to be done now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Bronstein & Weiss Arbitration
State: NM

Complaint narrative:
For the past few months, they have been calling my work, and personal phone # 's and leaving threatening messages, all of which I still have on my voicemail. They have said that they will serve me with papers if I do n't return their call within a certain amount of time. I have never spoke to them, as I know they are a fraudulent company. They call from a spoof # locally, however they leave several different numbers to call them back on. ( XXXX, etc area codes ). I just want them to stop contacting me completely, especially at work. I have sent them a cease and desist letter via the XXXX in New York. Within the letter, I demanded they stop contacting me and to send proof of this " so-called '' debt in writing to my home address via usps. They have not responded, as of this date.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
POC : XXXX XXXX QWR Notice of Error Loan : XXXX Property : XXXX XXXX XXXX, XXXX, Ohio, XXXX Owner : XXXX XXXX XXXX Trustee Mortgage cosigner : XXXX XXXX XXXX 1. I have been notified by my counsel that the case XXXX has been asked to be dismissed by Faye Servicing counsel is this true? 2. If yes is the investor no longer going to be pursuing the note? 
3. If no what kind of time frame will XXXX be releasing the mortgage? 
4. XXXX 's attempt to collect discharged bankruptcy debt and there placing of illegal fees for improper Forced Placed Insurance on my property which over the past 4 years has accumulated in excess of {$3000.00}. This along with the old reinstatement amounts that I have been forced to pay over the past 3 years which have included XXXX attorney fees and inspection fess filing fees has forced me to invest money I did not have at the time well above the amount of the note on this property. 
5.I have now had to invest more money and devote more of my valuable time taking me away from far more valuable projects in my company pushing back very profitable projects to help with the defense of case XXXX. I will be looking for compensation do you have a contact number for a department that I can discuss settlement with at XXXX and if so please forward it? 
6.The mismanagement and negligent actions of the debt collection services for XXXX over the past 4 years and present have caused me undue financial hardship and mental abuse this has been a long and exhausting journey for me my wife and family. I hope that we can come to some common ground on getting this matter closed and behind me. As I as always express it is better to resolve things out of litigation rather than in court. XXXX as of today the file on this property in which I have forwarded to you by email and in a CFPB report list over XXXX e-Regulations violations not but least including violations of RESPA Section 6, Reg X, Z FDCPA violations and worst the 11 U.S. code sec.524, 944 attempting to collect discharged debt and violating the signed agreement XXXX court ordered by Honable Juge XXXX XXXX XXXX in case XXXX. Now making matters worst I have discovered this was placed as a foreclosure on my credit report as an extremely delinquent account this is not accurate I never owed a large sum the money that was trying to be collected. I only stood my ground and refused to pay on debt that I did not owe. I will looking for the investors response on the settlement of all these matters in connection of my loan. 



Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!

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 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo switched around their monthly statements to exclude activity I do every month ( XXXX debit transactions ) on the same day and then charged me a service fee. They are refusing to refund me the {$10.00}. I suspect this is widespread. They purposefully make statements on odd dates that do not coincide with calendar months and change the statement time periods to trick consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Check Recovery, LLC
State: AL

Complaint narrative:
A guy named XXXX XXXX called my employer saying that he was with United Check Recovery Bureau. He left a voicemail for them telling them that my name & social security number had been flagged & that he needed employment verification in order to finish his legal proceedings over a debt that I owe ( in which I did n't owe ). When I called him, he was rude, called me names & even said that no matter what I say that he would call everyone at my job & everyone in my family to get the money owed to his company. He stated that no laws applied to him & that he was going to continue to call me every day. When I told him that he broke by the law by disclosing my personal information to someone at my job, he laughed & said that he would do it again & again until I stopped being a fraud & pay my debt. He has called my family & he had names of people that I work with in which I never gave to anyone. I think this is a scam because I told him to send me something in writing stating that I owed them and he said that he already had & that he refused to do it again. I have never received anything from these people. I am so upset & I am retaining a lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Nudge Funding, LLC
State: OR

Complaint narrative:
This complaint arises out of a loan application from XXXX ( NMLS # XXXX ). The complaint is : ( 1 ) improper statement during an initial phone conversation about available rates and the ability to change interest rate after lock-in ; ( 2 ) failure to correct loan disclosures and other documents ( e.g. loan application ) when asked several times ; ( 3 ) failing to stop sending e-mails asking to sign loan disclosures after loan application was cancelled ; and ( 4 ) continuing to inform me that I had to sign improper documents. 

On or about XX/XX/2017, I was shopping online for a mortgage quote. After speaking with XXXX XXXX ( NMLS # XXXX ) at XXXX about the mortgage rates, I questioned him about a {$450.00} " lock-in '' cancellation fee. He indicated that that fee had only been charged one time in 8 years and that it only related to if the loan details substantially changed. I specifically asked about whether the interest rate can be changed after the lock-in and he stated that it could change. Once I received the initial disclosures, application, and other documents ( the " Documents '' ), I noticed a errors in the Documents. XXXX stated they would fix the errors but told me that I would have to sign the existing Documents and they could n't generate new ones. On XX/XX/2017, I spoke with a supervisor about the issues with the Documents, that the amount quoted online was different, and that the interest rate was now lower. I requested all of these items to be changed. The supervisor informed me that it does n't matter if the Documents were incorrect I was just signing that I acknowledged they were received. However, the Documents included much more than what was indicated on the phone including without limitation the actual loan application, request for tax transcript, etc. In addition, despite the original conversation with XXXX that I would be able to change the interest terms, XXXX XXXX XXXX failed to honor its original obligations to lower the interest rate. I informed them I no longer wanted to do business with XXXX. I received an e-mail stating the loan application was cancelled. Thereafter, every day I kept receiving e-mails from XXXX asking me to sign the Documents. On XX/XX/2017, I e-mailed XXXX asking him to stop the automatic e-mails. He responded by stating : " Unfortunately the only way to get rid of those daily reminders is to sign. The reason is the government requires that we keep a record of the disclosures, therefore we can not delete them. As well as a record of the borrower acknowledging they received them. '' XXXX failed to let me know that I could select " decline to sign '' on the application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: MA

Complaint narrative:
I applied to XXXX in XX/XX/XXXX, graduated with an XXXX in XX/XX/XXXX and wanted to pursue my XXXX in XX/XX/XXXX continuing my knowledge in the same field. Unfortunately, all of XXXX got shut down due to fraud and when I tried to continue with my credentials, that I supposedly received already from XXXX, the new institution ( XXXX ) told me no one will be accepting any transfers or credits from XXXX. I am now responsible for a Federal Student Loan through Great Lakes Borrowers and I do n't feel I should be responsible to pay back anything due to XXXX going bankrupt and making promises they never fulfilled also for wasting my time in pursuance of a career that has no credential back up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
After setting up an auto payment with TD bank for a loan to finance the purchase of a pellet stove, I received a notice that the account was past due. I called customer service to confirm that auto-pay was set up, to which, they said that it was not. At this time, I set up auto pay for the second time and made a 1 time payment. However, the next month, the same situation occurred, with my receiving a past-due notice. 

Additionally, the account was set up so that it would not be paid off before the interest-free period was over, despite my stated intention to pay off the loan before the interest-free period ended. 

I believe that TD bank intentionally did not process the auto payment, and further that they intentionally changed the parameters of this loan so that it would not be paid off in time to avoid interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Ditech Financial LLC
State: GA

Complaint narrative:
A Ditech mortgage appears on my credit reports from XXXX and XXXX. I contacted both reporting agencies and advised I have never had a Ditch mortgage or Ditech loan of any sort. Neither credit reporting agency has removed the incorrect information. XXXX advised I should contact CFBP for assistance. The one and only mortgage I 've had in my lifetime began with XXXX in XX/XX/XXXX. When XXXX shut down, my mortgage was sold to XXXX ( XX/XX/XXXX ). In XX/XX/XXXX, I refinanced with XX/XX/XXXX who, to this day, still holds the mortgage. Again, I have never had a mortgage or loan with Ditech and want the Ditech mortgage removed from my XXXX and XXXX credit reports. I have no documentation to attach as the Ditech mortgage is not mine, and XXXX XXXX, and Ditech can not provide any documentation on this alleged Ditech mortgage showing on my credit reports. I would greatly appreciate assistance in getting this fraudulent entry removed from all credit reporting agencies ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC
State: MI

Complaint narrative:
XXXX took it off cause I do not owe this it is not my debt to pay I do n't know where it came from I have had only XXXX and now XXXX I do not know what other steps to take it needs to come off my report tried to apply for a mortgage loan to buy a house and they told me about it on my credit report did not know anything g about it till then that was XX/XX/XXXX been fighting it ever since XXXX took it off my report

Company response to consumer: Untimely response
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: LHR Inc.
State: DE

Complaint narrative:
A company LHR , Inc in XXXX, New York is selling charged of debt to other individuals. They are threatening me with wage garnishment. What are my options to stop this? From my research - LHR is a questionable company. And may no longer be in business. I do not want the added expense of a lawyer, but if that is what I have to do I will.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: LHR Inc.
State: AZ

Complaint narrative:
Hello, i 've been trying to contact LHR INC collections agency to settle debts but i have tried XXXX different number i could n't contact them. 
XXXX XXXX XXXX and ( XXXX ) XXXX those are the XXXX numbers contacted. I want to settle this debt and start my credit and my life back. thank you.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
I receive calls as early as XXXX. and as many times as 3-4 times a day. I have also asked them on several occasions to please stop calling me so early and I was told that it is an automatic dialer that is calling but I informed them that it is still unacceptable and also that actual agents are calling me repeatedly and much too early as I work nights and it is against the law! I also have asked them many times what this is in regards to and if I wo n't verify my social security number and date of birth they sinply hang up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Columbus Capital Lending, LLC, Miami, FL Branch
State: FL

Complaint narrative:
On XX/XX/XXXX, we made an offer to a house. We started the process with a Loan Officer from XXXX. On XX/XX/XXXX, he moved to another company, saying that he took our file and he will initiate it with a new company called Colombus Capital Lending LLC, well. Due to his transfer, he never started our file really, and started at Colombus. A commitment letter was sent by the lenders to all the parties. We had to close by first week of XX/XX/XXXX originally. By XXXX he asked for a first extension. We provided him with all the paper work through the whole process. Both parties, sellers and buyers were committed to continue. Extension was for one ( 1 ) more week, by then a second extension was required by the lender. For this second extension the sellers asked for an approval letter from the lender saying if buyers were approved or not. A new commitment letter was provided from the lender with new conditions, this documentations were supplied by us and conditions were covered. By end of XX/XX/XXXX a third extension was ordered. Every week was a different argument or paper needed. Nothing happened in the meantime, file came out of underwriter with a closing discloser sent by lender and signed by us. By XX/XX/XXXX a forth extension was waiting for a clear to close. Three ( 3 ) days before the scheduled closing date, XXXX asked us to pay 2 credit cards ( without interest APR ) and a complete lease of a vehicle to be approved. We paid almost {$6000.00} in payments in addition of course of appraiser and inspection. By XX/XX/XXXX, we received a denial latter because of employment time and accounts with balances. Which could have been easily the reason to deny us at the pre-approval stage, which was on XX/XX/XXXX. Now we have 6000 less plus 5000 of deposits given to the sellers and in jeopardy of losing. We dont recommend neight this two companies, since they both have a history of employees jumping back a forth. Currently, some employees of Colombus capital are in the process of going back to XXXX. If you want an advise? do yourself your homework on the requirements of each mortgage program and work for that, afterwards go to a real bank or a serious, more respectful private lender to start this important step in your lives. If you ask us today how was our experience, even if we had an approval of the loan, it was the most stressful and painful process in our lives. Families buying flight tickets thinking it was " this week that we close ''. Move boxes made. Do your homework before sitting down with someone who most of his/her salary comes from the commision of your loan. Loan officers make up to 3 % of the amount of your loan. Dont trust no one, is a tricky industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. 
I have never lived at the address for which I am being billed. 

I previously made this info available to the first collection agency in XXXX XXXX. Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX CREDIT REPORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay.

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 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Harrasing phone calls concerning a debt that I do not owe.

Company response to consumer: Closed with explanation