vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Upon closing of my XXXX loan with XXXX Bank I submitted the home owners insurance policy on my condo paid for by my XXXX fees and the XXXX was approved. After 2 months of payments the XXXX sent me letters that I need to buy additional XXXX insurance. I called several times and got them the copy of my current home owners insurance via XXXX ( exact same that was submitted upon loan approval ), via email. Instead of working with me on it they charged XXXX $ to my escrow account with out my permission. 

I feel like they have violated my finances and charged XXXX with out my consent. I am paying the loan amount and all the interest in full and want them to please pay my XXXX $ back as it was a completely unauthorized transaction and illegal. 

I hope you can help me get due process on this. I have not had luck despite several phone calls to Flagstar mortgage bank and even asked for supervisor. 

I appreciate any help you can provide in fighting for what is right.

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 2018-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC has sending me letters for default loan, after repayment plan, and loan given back XXXX for forbearance. I was told my loan separate from University of  XXXX this not XXXX told me, as XXXX loan forgiven school closure. I also filled out a loan discharge ability to benefit, on basis that didn't get high diploma, and was given no examination by university of XXXX, I was email form to US Dept Edu and never heard anything form them.I have been getting threaten emails from them every week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: CA

Complaint narrative:
Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank 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 2018-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX American Express served my old residence and sued me won a judgment for XXXX + interest. This was included in my XXXX in XXXX. When I changed the title from a trust into my name in XXXX a lien went on my house. 

This is illegal for them to try to collect. It is illegal for them to record a lien 5 years after a discharge of a XXXX Bankruptcy. This must be enforced and I will never stop with going after them if they force payment. I had an attorney say they will owe me for a lot for sanctions, penalties and court fees if I take them to court. I will also have them pay for my attorneys. I want them to remove the lien in XXXX XXXX court and remove it from my credit report immediately. 

I may start a class action suit if this doesn't go away with countless others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
I browsed online to XXXX XXXX XXXX, following an advert online XXXX XXXX ] and was unable to file an application for a credit card notwithstanding receiving advertisements for application where my email address is being blocked for some reason. 

The web-based email address is XXXX hosted by XXXX XXXX a US-based technology company quoted on the XXXX XXXX so providers need to sort out these market-based oligopolist issues between them. 

Misleading advertising is in breach of law when liaising with customers within the XXXX XXXX and we trust you work towards better standards eventually.

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 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A purchase was made on XX/XX/XXXX, for a laptop, valued at {$2500.00} USD. The laptop broke on XX/XX/2018 due to motherboard failure and is non-repairable. A claim for the broken laptop was submitted to Chase Card Benefit Services on XX/XX/2018 under their purchase protection flag of services on their Chase XXXX XXXX credit card. 

After this time I submitted all requested paperwork to XXXX, on XX/XX/XXXX they requested additional information. I provided the information on XX/XX/XXXX. Following this they requested additional information on XX/XX/XXXX, and I provided the requested information on XX/XX/XXXX, this is due to me being out of the country temporarily on a work trip and finding a computer repair shop that will write a bill of repair/non-repair in English was extremely difficult to locate. 

At this time the case has been open for over a month, and every time I reach out to their team on the phone they refuse to escalate or say that they've escalated the case and they haven't. 

Purchase Protection link on Chase XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
That has been recirculated now XXXX times and is the result of retribution for a bad XXXX review when they charged my account {$40.00} for a missed appointment for my XXXX daughter. I had never signed any paperwork saying that I would pay such a feat and I tore them up on yelp now they will not let it go in this company continues to persecute me for any legal debt debt I do not know that they have no proof of and yet they continue to extort people for fake debts. When are we going to stop it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: WA

Complaint narrative:
Send feedback via EMAIL since I am traveling and a hard copy to my billing address. 
Capital One does Not have a reasonable feedback process to send complaints to Capital One except calling NO written feedback option as when I content charge and fees it says call and will not allow submittal of dispute. 

Capital One refuses my requests to provide me all credit card charges made internationally with foreign denomination, exchange rate used and fees. 

Each charge is hidden fees and difficult to TRAIN Capital One since they do not have all data available to verify each purchase accuracy. 

Since I'm traveling for 2 months I want all charges since XX/XX/2018, to show foreign denomination, exchange and and fees. 

capital One web PREVENST me from submitting direct feed and always pops ups message to call which I can not do internationally! Any call from a mobile is charged to teh customer and capital One has IGNORED this feedback problem in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: CA

Complaint narrative:
Equifax continues to deliver incorrect data regarding the child support account balance is XXXX and payment history is nothing of what they say it is it is too close to cases and the children live with me. This kind of miss corrected information shouldve been taken off my credit report a long time ago along with payment history as there is no current account and the prior payments do not include what is called XXXX XXXX from the court. It is extremely detrimental and although I reached out many times to correct the problem it seems to continue. I have never missed A car payment on the Jeep through XXXX Get one page shows current and the other 30 days late Equifax needs to get their story straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased a home with XXXX and closed on XX/XX/2011. My mortgage is financed through Bank of America. I have paid an extra {$50.00} every month for the last seven years. I was not initially told about this required payment and every time I call I am told a different date as to when it will stop. Today I was told I signed a disclosure indicating that I would agree to pay this amount for 7 1/2 years. When I asked for a signed copy of the disclosure, I was told their records show that the disclosure does not have my signature on it. I also called Bank of America and was told they too could not find any documents in their records requiring me to pay this fee. I am requesting that the payments stop immediately and I am refunded any and all fees paid to XXXX as this was without my consent.

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 2018-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The interest rates we are charged are shark loan types. Our highest interest rate is 14 %. The lowest is 8 %. Our original loans were XXXX and now we are up to almost {$200000.00}. We can't consolidate because my daughter didn't graduate. We did find someone to consolidate but our debt to income level was disproportionate. I am nearly XXXX and XXXX in debt is insurmountable. I will pay it. I would just like the interest rate to stop. Haven't I incurred enough interest? Additionally ... I lost my job in 2011. The student loans were too much and I filed for bankruptcy. Somewhere along the way they didn't include one of the loans. I wasn't aware and now we are in default. They want immediate payment. I don't have enough to come up with the amount they want. I would like to just refinance all of it and pay it all if I could. I am not trying to get out of it. Just make it reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi TransUnion I have tried 7 times by fax and phone for you to remove old out dated or just no mine personal information XXXX XXXX XXXX XXXX is law office I never lived there please remove it i did not finish the address for identity reasons but you have it on file. 
inquires 6 remove I did not make these. XXXX WILL BE FORWARDING A LETTER TO YOU BY FAX WITH THE SAME INFORMATION AS THE 7 TIMES BEFORE BUT WILL HAVE A CFPB CASE NUMBER ATTACHED TO IT. the report is XXXX XXXXXXXX XX/XX/2018 update

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 2018-09-30 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: TX

Complaint narrative:
Equifax I have contacted you 7 times to remove old out dated or just not mine information 7 times by fax and phone You have address that are not mine that you will not remove 3 address .XXXX , XXXX , XXXX XXXX XXXX this is a partal address you have it on file. Also you are reporting XXXX XXXX And XXXX XXXX XXXX   they were to to be removed but you have not done so please remove them inquires there are 4 I never made .I will fax you the information with the CFPB case Number on it this was posted on XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
credit reporting show no collects it also show 3000 plus balance due which in correct if there is no collection why do the record show XXXX balance, remove this from my report are show to whom I owe

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 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
The option I chose was the best one I could. I cancelled my insurance policy and there was an attempt to charge me the remaining amount on my premium {$430.00}. Any car insurance company I have had where I have cancelled it before my insurance policy was up never had me pay the remaining premium. I currently have XXXX  and I have brought this up with them and they have not responded back to me. I have disputed this with all 3 bureaus but XXXX  has still kept this error on there.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BTH Management
State: KY

Complaint narrative:
I have a payday loan on my account that I did not request. I have talked to the company before about this but they are leaving me liable for it. I do not know what to do at this point but I do not think it is fair that I am on the hook for this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: ME

Complaint narrative:
In XXXX of XXXX my husband became very ill requiring several weeks of hospitalization. He has always paid and handled all finances for the home. In trying to take over all payments of the bills, it came to my attention that a loan modification had taken place, as far as I have been able to research on or about XXXX. My name was not on the loan. My husband was apparently told that they didn't need my income to quality for a loan modification. The application was processed without my knowledge of being removed from the mortgage. 

I have contacted a lawyer, and was advised a loan modification should not be done to remove a person from the loan. If the home was in jeopardy of foreclosure, my income was provided as part of the process. 

Since my husband has been ill this has left my hands tied trying to pay for my home that I have lived in and supported in payments for close to 23 years. I have contacted Provident to obtain the documents they say I signed. I have never signed anything that I was aware of to be removed from this mortgage. I am on the deed, and this has been difficult to say the least to sort through. Provident did not provide due diligence to protect my assets in the home I have been paying on for years. I have been since XX/XX/XXXX trying to get the home back in my name, since my husband was diagnosed with XXXX. This has been a hardship for me and an expense I should not have to take on at this time in my life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I have sent several disputes to resolve issue. The car was a repo the company never sent a bill of sale nor notified me when the car was sold.XXXX  XXXX charged interest for the remaining of the loan after the car was sold which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I activate my card I am asked to call customer service because fraud has been detected. 

Called a total of three times and was not transferred to a supervisor. 

I gave them the following the verify but they said they just needed to send a letter with a special code to call with. I asked if they needed to verify my address and they said it was on file so, very ironic considering the situation. 

Verification Items Provided : XXXX card number open for 1.5 years. Couldnt verify. 
XXXX XXXX card number open for 8 years. Couldnt verify. 
Current cell number. Couldnt verify. 
Old cell number ( still active and has been for 15 years ). Couldnt verify. 
Also sent them my most recent XXXX  during the application process with matching address and they still couldnt verify. 

Waiting for the letter to verify now and a possible call from management since I instructed them Id be filing a formal complaint. I will likely just close the card once Im able to verify since it has been such a bad experience.

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 2018-09-30 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: GA

Complaint narrative:
Every time I try to access my account online using Eqifax it ask me these questions that they say are on my consumer report and I FAIL EVERYTIME!! I KNOW WHO I'VE HAD A LOAN WITH. NOBODY!! I KNOW WHEN I GOT A MORTGAGE LOAN. NEVER!! I KNOW WHEN I GOT A RETAIL CREDIT CARD. NEVER!! SOMEBODY NEEDS TO FIX MY CONSUMER REPORT BECAUSE AFTER A MONTH OF ANSWERING NONE OF THE ABOVE TO ALL THE QUESTIONS AND THEY TELLING ME IT'S INCORRECT IS REALLY TWERKING MY MELON!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX XXXX phone calls are not allowe on Sundays.

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