vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I bought my home XX/XX/XXXX for the amount of {$220000.00}. The home was appraised closing with a value of {$260000.00} at closing. When purchasing the home I did not provide a downpayment in the amount of 20 % of the home value, therefore I had to purchase private mortgage insurance ( P.M.I. ) on the home until 20 % of the home value was paid off. 20 % of {$260000.00} is {$53000.00}. This means I would have to owe ( $ XXXX- {$53000.00} ) {$210000.00} or less for the P.M.I. to be taken off of my monthly mortgage payments. According to law, the lender should take the P.M.I. off of my loan once the 20 % is met. At the time of closing my borrower did not provide me a PMI disclosure form to identify when the 20 % mark would be met. 

When closing on my home my loan was thru XXXX XXXX XXXX, for the past 5+ years my loan was taken over by Wells Fargo Home Mortgage and they are my current lenders. I have never missed or been late on a mortgage payment. 

In XX/XX/XXXX I reached the 20 % mark on the value of my home. Starting XX/XX/XXXX I have owed {$210000.00} or less on my home. As of XX/XX/XXXX I owe {$190000.00}, this is far beyond owning 80 % or less of my home value. 

I have reached out to Wells Fargo to have the PMI removed from my mortgage payments, but they refuse. Wells Fargo has stated that I must pay off 22 % of the " loan '' before PMI can be taken off, and that the 20 % is not based on the value of the home at closing. 

It was never identified to me at closing that the 20 % was based the " value of the loan '' and not the appraised value of the home at closing. This information is new to me and in XX/XX/XXXX I do not believe this was the agreement at closing. I would like to receive some evidence that I agreed to an otherwise condition against having the PMI be based on the value of the home at closing.

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: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
We have been working dilgently with Ocwen Loan Servicing and tbey have been telling us, meaning my husband and I. They are not receiving our paperwork, we have been filling out paperwork for the last 5 months, trying to avoid foreclosure. However, they have been lying about receiving payments abd paperwork. We are frustrated and have called tbe VA worker in XXXX, her name is XXXX XXXX, which she did seem concerned, she stated we must do what we need to do, and I asked what that was, she replied fill tbe paperwork out no matter what, XXXX XXXX did not seem like it was urgent, nor did Ocwen Loan Servicing because they are not concerned with our social security numbers along with our private information. My husband is a XXXX veteran, and we have fallen short in trying to pay rent and a mortage, which is why we tried to do a deed in lieu. We have been unsuccessful trying to get this issue taken care of, and seeking help. We have been frustrated, and losted for help. We are good paying citzens, and fell into a rut. However, we are seeking help because we need help and the company is failing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
hello, I bank with wells fargo for now 5 years. money was credited on my savings account and then taken several times because of one claim that was closed on my favor. 

the bank left my savings account on a minus negative balance saying the reasons it was done because they had credited me in error too many times. and that by error they had opened several disputed on the same case. 

so the out come was that everything they gave me was at the end taken and leaving me with a negative savings balance for a dispute from XX/XX/2017.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I previously had a student loan account that was managed by Navient. I had the loan re-financed XX/XX/XXXX by a new student loan company, XXXX. The loan pay off amount in XX/XX/XXXX was {$21000.00}. 

Now, Navient shows that I still have an outstanding balance of {$910.00}. Navient has continued to charge interest on my account but never notified me that the loan was underfunded. It is clear that Navient benefits from underfunding consumers loans as they then are able to continue charging interest against the consumer. Interest charged is at a rate of 6.8 %. The due date for the outstanding balance is XX/XX/XXXX. 

I contacted Navient to request information. Navient is blaming XXXX as at fault for not fully funding the loan. However ; my argument is that Navient has knowledge of an underfunded loan ; XXXX would not be aware of any outstanding amount. They stated that the due date on the loan is in the year XX/XX/XXXX so they were not notifying me until nearer that date. Navient failed to address my concerns and rather told me to contact the U.S. Department of Education. 

I am filing a formal complaint because Navient is benefiting from failing to inform consumers when a loan is under funded. I am likely not the only consumer that has had such an experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I am extremely stressed out with the company, LoanCare. My loan was transferred to LoanCare in  XX/XX/XXXX. I was with another mortgage company starting in XX/XX/XXXX, and I never had an issue with my escrow or insurance policies. In XX/XX/XXXX, LoanCare started to contact me about flood insurance. They needed my flood insurance documents or they were going to put me into a lender placed flood insurance policy. My payment was going from XXXX per month up to XXXX per month. I contacted my condo association because I pay into a flood insurance policy through them. That paperwork was submitted to the initial mortgage company. I called LoanCare, which took hours of my time, to explain the situation, and my condo association kept faxing the insurance policy proof to them. I called every four days. They kept telling me that they never received the fax. So, we would go through the entire process again. After the 5th time on 3 way calls with my condo association, I told LoanCare that I was calling a lawyer if they didn't tell me another way to show proof of this flood insurance. My condo association sent me a pdf via e-mail to show me the proof. Finally, last week ( XX/XX/XXXX ), LoanCare told me that I could upload it electronically. I was furious. So, I received a letter confirming that I was removed from lender placed flood insurance. I was pleased until they screwed up my escrow amount again. They calculated it wrong and have me paying the condo association policy amount per month into my escrow. I NEVER PAID THIS INTO MY ESCROW BECAUSE I PAY A CONDO FEE EVERY MONTH THAT COVERS MY FLOOD INSURANCE. I tried calling at XXXX, and I waited 90 minutes to get a customer service representative, and then they disconnected me while trying to transfer my call to another department. I am beyond done with this company. I really want to refinance with XXXX, but I am unable to get a better interest rate right now. This company is stealing from people 's most valuable asset, their home.

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX , XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my XXXX  address. The mail center is XXXX XXXX XXXX in XXXX XXXX, Nv XXXX XXXX ************ this company only send me a copy of a bill, no contract or ect**************

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have personally banked with Wells Fargo for 30+ years. I also have 3 businesses with more than $ 15million in annual transactions flowing through Wells. 

They have decided to endorse XXXX for web transfer of funds On XX/XX/2017, my wife identified some tickets she would like to a football game. I connected with the seller and asked them if we could see the tickets. They mentioned that they use XXXX from Wells Fargo which has fraud protection. 

Checked with Wells and yes ... they do approve XXXX. I was told that there is a delay before funds are actually transferred to ensure it is not fraud. We transferred and asked for the tracking number. The seller did not provide the tracking number so I reached out to Wells Fargo and XXXX immediately to block the transaction. There were no return calls or emails from XXXX and Wells customer service knew NOTHING about XXXX. They could not help me at all. Days went by and the Wells or XXXX did nothing. The cash was transferred after 48 hours of absolutely NO help or fraud actions from Wells Fargo or XXXX. 

Bottom line. Wells is doing NOTHING to protect long-time customers from this type of fraud. I reached all the way up to executive VPs at Wells and got absolutely nothing. Even after my 30+ years of loyalty as wells as moving my businesses to Wells . 

It is clear the direction I should take my personal and corporate banking. XXXX should be shut down.

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: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
My direct deposit was placed into an unknown account, that my name, to my knowledge not attached to. 
All statements went to a different address that I was unable to obtain. 
I requested information of my ACH deposits, however, XXXX XXXX does not allow you to speak with their ACH department. 
After long hold times, I am hung up on by representatives and have attempted to reach the employer to learn the banking information and they also refuse to assist. 
All my money for employment was placed into an account and I am unable to obtain it. 
I have also attempted to get in touch with anyone who is anyone in the XXXX company and they are at the mercy of the employer who also refuses to provide the information on the account my payroll was deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There are many Hard Inquiries in my credit report that I am not familiar with

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been working on my credit report day in and day out for 8-10 hours a day across all three agencies. XXXX  and XXXX  are complete however, I Have received zero updates from equifax. when trying to check the status of my disputes on their website, it tells me my personal information is incorrect. The first time I called in an agent from another country stated that their online system was down ... ok. so I waited a day adn tried again. Again the system tells me my information is incorrect and I am unable to check the status. This has continued to happen for over a week and a half now. I also asked them why I was never notified that my personal information was stolen from their system during the breach. They had no answer and blew me off when i requested free credit monitoring for a year under their trusted premier thing. They stated it was past the time line to sign up for that.. Had i known about their inability to protect my information i would have called sooner.

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 — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Capital One credit card for several years, I closed it and was able to pay it off as indicated their Customer Service ( I have record of the call ) on XX/XX/XXXX and the payment posted on XX/XX/XXXX. That very same day I checked my balance and it was " XXXX '' ( XXXX ) ( See docs attached ) and even Capital One CANCELED my automatic payment draws since the acct balance was XXXX. Ok, 2 weeks later I received a new SNEAKY charge from Cap. One for XXXX on XX/XX/XXXX. I CALLED AGAIN and spoke to a lady with the name of XXXX Id : XXXX and told me that THERE IS NOTHING SHE CAN DO ON THAT SNEAKY CHARGE. This is a NIGHTMARE AND A SCAM IN THIS NEVERENDING HORROR STORY written by Capital One and their associates against customers like me ( A minority group ) PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a bank of America credit card and have gone through financial hardship and have been late making a few payments

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
There are many Hard Inquiries in my credit report that I am not familiar with

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
There are many Hard Inquiries in my credit report that I am not familiar with

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Screening Reports Inc.
State: FL

Complaint narrative:
There are Hard Inquiries that on my Credit Report that I don't recognize

Company response to consumer: Untimely response
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There are Hard Inquiries that on my Credit Report that I don't recognize

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
There are Hard Inquiries that on my Credit Report that I don't recognize

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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I HAVE A WALMARKT CREDIT CARD I RECENTLY HAVE GONE THRUOUGH FINIACIAL HARDSHIP AND HAVE MISSED A FEW PAYMENTS. IT WAS CLOSED ON XX/XX/2014 XX/XX/2014

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 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: NY

Complaint narrative:
I received an updated credit report today from experian. My dispute with them did not fix errors on my report. I am uploading a copy of the accounts they are still reporting and also uploading proof from XXXX  credit reporting agency that these accounts were deleted off my report after there investigation. If experian did a true investigation they would receive the same response as XXXX  did. ( to delete off my report ). Having this wrong incorrect information reporting is affecting my credit score. I am seeking for experian to do the right thing as they are messing with my credit by not deleting these accounts that do not belong reporting. Also XXXX XXXX XXXX does not belong on my credit report as well. I am submitting proof these accounts were deleted from equifax credit reporting agency. Experian please stop just updating the information and do a true investigation this has been going on for months now. This is my credit worthiness.

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are many Hard Inquiries in my Credit Report that I don't recognize

Company response to consumer: Closed with explanation