vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a complaint agains t Wells Fargo w ith CFPB on  XX/XX/XXXX  about their  XXXX  discrimination for a two month Deferment while I was on medical leave and they would n't provide assistance for  XXXX  medical leave only if I was physically at my job before my complaint and still after their response to my complaint.   When I submitted my final response letter to their counter response, I included a CEASE & DESIST from all telephone contact which is still on file with CFPB, They attempted to call once right after that in late  XXXX  which is their right by law, however They started calling again in  XXXX  and continue calling me.  XX/XX/XXXX  is the first time I have become one month past due on my loan, due to loss of employment, but they called me on  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message, and  XX/XX/XXXX  no message left. Like I advised before, do not contact me by telephone, email  or US ma il is fine, however I have not received any written contact from Wells  Fargo Auto Finance  at all just these calls. I do not wish to be called ever. My loan history will show that my pay history has been perfect until now. I am not just suddenly going to stop paying my loan, I am waiting for unemployment to kick in at which point I will be paying again. Again I do not wish to be contacted by phone and should not have to provide a seco nd Cease and Desist req uest in writing again!

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 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and Transunion. I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education,  and NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

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 2017-04-24 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: WA

Complaint narrative:
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: MI

Complaint narrative:
I have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved

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 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
My problem is with nation star financial.in  XXXX  I was paying  XXXX  a month, last year in  XXXX  my home owners insurance went from  XXXX  per year down to  XXXX  .so the mortgage company dropped my payment to  XXXX  a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for  XXXX  dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker  XXXX  and  XXXX  and  XXXX   XXXX  who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to  XXXX  a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
My lender made adjustments to our closing disclosure after closing since they did n't disperse the correct funds to the correct places. I was issued several additional closing disclosures, but they did n't balance and some of the numbers were stating amounts that were n't accurate. The lender sold the loan to a servicer and is no longer responding regarding corrections to the closing disclosure. I requested a copy of my final closing disclosure from the servicer and the only send me the original and not the revised versions. Keep in mind that I still do n't have a closing disclosure showing the correct amounts paid at closing that balances. We closed on  XX/XX/16   . We originated with  XXXX   XXXX  and the loan was purchased by PNC Mortgage. I have contacted both many times to fix this, and they have only sent the original one. I attached the correspondence with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have open a bank account a couple of weeks ago and they are telling me mixed up questions on checking my identity they have frozen my account cause they said I do n't have the proper requirements to close my account I have said several times to the manager every time I go to the bank that I have seen my exboyfriend from  XXXX  New Jersey around that bank area. I have showed the manager my state indentation, social security card, my birth certificate and a letter from the hotel I have been residing at he has told me still I ca n't close my bank account with that type of address he is now saying I need a physical address to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: MI

Complaint narrative:
I have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a complaint regarding a dispute I submitted to Equifax regarding an inaccurate, erroneous  Tax Lien reporting illegally under my name on my credit report. I checked the Equifax website Check S tatus of dispute section and it states that I submitted my dispute on  X/XX/2017   , and it states that completion date scheduled was  X/XX/2017   .   However, it states that the dispute is still " PENDING '' after more than 97 days as of today    XXXX      XX/2017 .    Equifax has illegally surpassed the 30 to 45 days allowed to investigate a dispute under FCRA 611.     This Tax lien is erroneous and inaccurate and should be deleted immediately.      1   ) T ax Lien - #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
XXXX    XXXX    XXXX  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.   XXXX      XXXX    XXXX  are in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I called in on  XXXX   XXXX   2017 spoke w ith rep and was offered a ext rep adv to pay  XXXX  which she setup the payment for  XXXX   XXXX  I started getting emails that my account was past due I called in on  XXXX   XXXX  and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay  XXXX  dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay  XXXX  and they will defer two payments to end of loan so they want me to pay  XXXX  plus the  XXXX  and none of these funds will be applied towards payments this is their fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
The short version as to what has transpired is as follows : After fighting with my insurance company for over two years I finally got them to pay for damages to my house in  XXXX . This came after having to get an attorney as well as an appraiser and ultimately a ruling from an official umpire. All of which I will have to pay ridiculous amounts of money to at my costs. Meanwhile while am fighting to get enough money to make proper repairs my mortgage company  (   XXXX   XXXX  ) with whom I am 41 months into a Chapter  XXXX  Bankruptcy sells my mortgag e to Selene Finance LLP.. The y were given partial repair monies from  XXXX   XXXX  as well as interest in  XXXX  of  XXXX  and the remainder of the repair funds from the insurance company around  XXXX  of  XXXX . The total is almost  XXXX  and all if not more will be needed to make repa irs. Selene Finance LLP is s tating that I must get a General Contractor to do all of the repairs even though my contract with  XXXX   XXXX  clearly states that I only need to use the money for repairs and that I am to receive these funds in draws with the mortgage co. performing inspection to validate the work gets completed before the money is given. I have repeatedly agreed to what the contract states which are identical to your regulations as well as th e State of  NJ, Unfortunately Selene continues to not follow the contract and will not let me perform the repairs myself and/or hire subcontractors even though I am a Construction Official for a large Municipality and have designed and built my own house previously as well as many remodeling projects over the years. There is no difference to them as long as all the work gets done, especially since all the work gets inspected by them before the funds are given and all the work gets inspected for code compliance by the city of  XXXX   XXXX . Meanwhile I can '' t get my house repaired nor can I resume collecting any rents ( which has made it extremely difficult to keep up with my current mortgage payments as well as my Chapter  XXXX  payments. I wonder if that is what they are trying to make happen so they can try and steal my house which I have owned for over 21 years. They have also refused to account for the whereabouts of these finds nor will they pay interest while they are illegally holding my money.  XXXX   XXXX  told me where my money was, that I could get my first draw whenever I decided and was paying me interest while they were holding it prior to the transfer of account  to Selene Finance LLP.  Only after Selene  Finance LLP  took over the loan did the problem begin. Please contact me if you have any questions and PLEASE HELP ME!!! I CA N'T AFFORD THESE DELAYS ANY LONGER!!! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: GA

Complaint narrative:
I was a victim of id theft so i wrote the credit bureau. Its been over two months and I have not heard from them. I addition the fradulant accounts are still reporting on 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 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
IN   XXXX  , WE WERE HAVING DIFFICULTY PAYING OUR MORTGAGE. WE WERE TRYING TO LOWER OUR MORTGAGE AND THE COMPANY REFUSED TO DO SO AND IN THE PROCESS WE HAD TO DO A LOAN MODIFICATION TO LOWER OUR MONTHY PAYMENT. THE PAYMENT WAS DROPPPED AFTER THE MODIFICATION BECAUSE WE WERE I N ARREAS FOR ( 8 ) MONTH S, THE COMPANY ADD THE ARREAR TO THE BACK END OF OUR MORTGAGE AND WE WERE TOLD THAT WE DID NOT HAVE TO PAID THE ARREAS UNLESS WE SELL THE HOUSE. THIS IS OUR ONLY HOME AND ONCE WE DID THE MODIFICATION THE MORTGAGE COMPANY GIV E US A BALLON M ORTGAGE INSTEAD OF A FIX MORTGAGE AND IT IS A ( 40 YEARS ) MORTGAGE. MY HOME IS NOW DUE FOR A REFINANCE AND WE WENT TO THE BANK TO DO SO BUT UNFORTUNATELY, WE WERE UNABLE TO. THE MORTGAGE COMPANY TOLD US THAT THEY HAVE TO ADD THE ARREAR BACK ON THE LOAN BUT THIS IS NOT WHAT WE WERE TOLD NOW WE ARE STUCK AND DO NOT KNOW WHAT TO DO. PLEASE HE LP US!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of trans unions credit inquiry issue. I attempted to contac t Trans Union b ut the customer service representative failed to resolve the issue.

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 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Loancare took over my mortgage in  XXXX  of  2017. Paid  previous payments to  XXXX   XXXX   XXXX  without any late payments. After not processing my first 2 monthly payments properly. They but a negative mark on my credit report and sent me a foreclosure letter after seeing the mistakes I promptly paid the past due amounts as well as all the current payments. I believe they processed this neg mark way before the allotted time aloud with out reaching out to me to rectify the problem. Sent letter to them on  XXXX   XXXX   2017 w as told in would be looked into  5 b usiness days afte r 10 i calle d in and was told in would be resolved on  XXXX     2017. Ha ve called in multiple times with no return call or contact from a supervisor. And it is past the 30 days off investigation.

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 2017-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Re : loan #  XXXX . In  XXXX  of  XXXX  my wife and I closed on the purchase of our home listed herein. The closing statement did not contain a provision for establishing a property tax escrow account. WFHM contacted me about  XXXX  of  XXXX  seeking me to acknowledge that there was an obligation for me to pay into such an account. Since then I have been paying, when due, all mortgage an  XXXX   XXXX   XXXX   escrow. Additionally, voluntarily, under coercion from WFHM, I have been paying sparingly contributions to be directed to property tax escrow. Since then I have been deluged with letters, phone calls and emails from WFHM coercing me to agree that I must pay into such account. This harassment has caused me great stress and mental anguish. On  XX/XX/XXXX  I received a letter dated  XXXX  from WFHM stating they redirected? the  XX/XX/XXXX  mortgage and  HO Insurance p remium escrow payment to an unapplied account. This action was done unilaterally and without my consent. I consider this type activity as fraudulent and dishonest. In the aforementioned letter WFHM continues to refer to a property tax escrow payment as contractually obligated. This reference is clearly wrong since there was no such provision in the closing documents as previously mentioned herein. The closing disclosure form emphatically states that monthly mortgage payment includes principal and interest plus t he HO insura nce escrow. Again, no mention of a property tax escrow payment requirement. I seek that WFHM acknowledge the fact that the contractual residential home purchase closing statement does not contain a provision for establishing a property tax escrow fund, secondly that WFHM cease all efforts to coerce me into acknowledging that one exists and collecting from me funds to be directed to that purpose, thirdly that all principle, interest a nd HO insurance escrow p ayments be applied as stated in my payment coupon.     This is a follow up to my previous above written complaint which went unresolved.  Wells Fargo  Home Mortgage sent me a letter dated  XXXX   XXXX ,  XXXX   ( a ttached hereto ) which does not address my above narrative. In the aforementioned lett er Wells Fargo Home Mort gage continues to demonstrate their fraudulent and unfair business practices. There is no due amount required as WFHM alleges. The contractual home purchase closing documents do not authorize or establish a  property tax escrow account. WFHM alleges that there is a VA flow-down requirement placed upon the borrower. However, when asked to produce the document to me to verify truthfulness and accuracy WFHM tells me it is confidential and would allow me to review it. Even when I agreed to a non disclosure agreement.

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 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refinance my house on  XXXX   XXXX ,  XXXX  and opened mortgage with Quicken Loans. My monthly payment on 30 years fix interest loan was  XXXX  On  XXXX   XXXX ,  QL a gainst my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since  XXXX   XXXX  I made over  10 re quests to close  XXXX  account.  QL  refuses multiple requests to close escrow account unless I apply for new higher percentage loan.   On  XXXX   XXXX ,  XXXX  I made regular ( on tim e ) pa yment for loan at the amount of  XXXX .   Instead of accepting payment as expected , QL pl aced my payment in Suspense, because they charged me {$1600.00} on  XXXX   XXXX ,  XXXX  ( for duplicated home insurance ) and then refunded - {$1600.00} on  XXXX   XXXX ,  XXXX  after I complained. But  QL  kept my payment in suspense ignoring phone arrangement to provide total amount own on escrow until  XXXX   XXXX ,  XXXX  when I was charged for late payment. At that time I was promised refund for late payment since record show that I made payment on ti me (   XXXX   XXXX ,  XXXX  ). Later QL loan also ignored that arrangement. And on  XXXX   XXXX , they charged me  XXXX  even though payment history ( attach ed ) sho ws on time payment, written chat conversation shows the request to provide escrow amount.

Company response to consumer: Closed with explanation