vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ETHOS LENDING LLC
State: OR

Complaint narrative:
I am an XXXX XXXX and often have problems with the loan originators in the closing process. At some point an insurance agent issued a wrong document and now the lending institution thinks that is what they should get. There are several problems with this ( I am happy to go over, but do not think there is enough room here ). The main issue is they have no insurable interest, they do not have this until after the loan has recorded. There fore the only document they are entitled to is a binder. In order to get a binder, I need a binder request. 

This company ( XXXX XXXX a division of Ethos Lending LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX L # XXXX ) The contact which has been contacting me from this company is XXXX XXXX ( XXXX ) ( she has copied XXXX XXXX ) The correspondence started with her emailing, asking me to replace the current lender with them and send a copy of the policy and the replacement cost guide. I replied asking if they were the lender and have closed the loan. She advised no, I replied we can not put them on the policy as they have no interest. We went back and forth on that. I continued to tell her to send me a binder request and appraisal in order to move forward. She eventually went over to me to my company ( XXXX ) and had them make this change. My company reached out to me to discover that XXXX was not recorded on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It is very apparent that either nobody bother to reads the full statement, or you guys are absolutely illiterate and can't comprehend what I have written.. PLEASE READ THE STATEMENT IN ITS ENTIRETY, AND BEFORE JUMPING TO CONCLUSIONS, YOU'LL NEED TO DO YOUR DUE DILIGENCE AND RESEARCH THE CALL AND HONOR THE STATEMENT, BECAUSE YOU DO SPEAK ON RECORDED LINES. 

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Recovery Services Inc.
State: TN

Complaint narrative:
The have been calling repeated to my both my cell and job from XXXX and XXXX. When I asked what the call was in reference too they become extremely rude and will not state the nature of the call. When I refused to confirm my DOB or SSN without stating they nature of the call, the reps become very defensive and aggressive. 
I requested that any correspondence be communicated in writing and that all calls cease to me made in regards to anything associated with my name. Upon doing so, I am repeated hung on up. 

The excessive calls to my job has my superiors thinking this is something to bring concern as they are not only calling my desk, they are calling me through our dedicated customer service line for customer. 
Dates : XX/XX/2018 - XX/XX/2018 daily at least 6 calls between my cell and job. 
Reps spoke to where XXXX, XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-15 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: CA

Complaint narrative:
In equifax current Credit report # XXXX summary shows 3 accounts with negative information, however after reviewing the 105 page report, I can not find anything that is considered " negative ''. What I did note was a missed payment on account XXXX which was closed and payed. There are NO designators to show a negative designation. 
My opinion and concern is that creditors are mislead by the summary of 3 negative information, and make their decision based on the Summary, since I don't believe lenders will review the data. 
In Credit report # XXXX ( wife ) it shows in the summary 1 account with Negative information, review of the 52 page report # XXXX incorrectly/improperly and erroneously reported in payment history. The designator is incorrect showing payments for XX/XX/XXXX and XX/XX/XXXX, when NO such payment was ever made. As a matter of fact XXXX XXXX XXXX has reported that there was NO payments due from XX/XX/XXXX to date. The payment history in report shows payment from XX/XX/XXXX to XX/XX/XXXX. 
The improper reporting, the lack of promp update of the file, coupled with ONLY a summary that is incorrect and does NOT reflect the TRUE status resulted in XXXX XXXX action of reducing available credit from XXXX to XXXX and possible other unknown lenders misconception leading to denials of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. I contacted XXXX XXXX Several times this year, to make sure I was in deferment and no issues. I used deferment to make sure XX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX  and everything would be fine, I would just have my XXXX in-school payments to make. On Monday XX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called XXXX XXXX and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. XX/XX/XXXX Tay ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job! 
update XX/XX/XXXX- still nothing updated and have no clue when anything will be done

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. Experian I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Zions is currently reporting negative account and balance information since XX/XX/2014. This account was settled and paid in a short sale back in XX/XX/2014. This acct is reporting in error and needs to be deleted.

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Home Mortgage services my mortgage and XXXX XXXX is their legal representative. XXXX XXXX sent a notice XX/XX/XXXX giving me 30 days to respond to the validity of the debt on the mortgage. In spite of this deadline, XXXX XXXX went ahead and filed for Foreclosure before the deadline causing us both financial damages and needless harassment. I have spent well over 5000 in legal fees in challenging the validity of the debt for nothing and more far reaching problems in the near term. XXXX XXXX filed for Foreclosure XX/XX/XXXX when it should have been after XX/XX/XXXX. XXXX XXXX and Wells Fargo need to be accountable for their actions.This is not the first time for Wrongful Foreclosure Filing on the part of Wells Fargo and XXXX XXXX.They filed for Foreclosure in XX/XX/XXXX while the home was in the settlement phase of a lawsuit against the builder XXXX XXXX for structural issues and the mortgage was in the loan modification process with Wells Fargo. XXXX XXXX

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 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The supposed loan I owe is through navient. I questioned the loan because I have no documents on it. I had asked for documents to verify the validity of this loan several times over the last two years, I have called multiple times and sent a written letter. 
By navients own admission I have never completed an electronic application for a loan, yet when they send me the loan documents the promissary note says electronic signature on file. It's also a page I've never seen before and absolutely have never signed, so the the signature and date are falsified. They also still fail to send all of the requested documents like the electronic balance transfer authorization or original loan documents which are necessary to show and they legally have to send. I believe the school or navient has done something fraudulent and that the loan is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: MD

Complaint narrative:
I WILL SEND YOU SOME UPLOAD PROOF THAT THESE ACCOUNT ARE NOT MINES AND NEED TO BE REMOVED TODAY .... 

XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT ARE DELETED FROM XXXX   AND XXXX  AND THEY DONT BELONG ON HERE EITHER.!!!!!!!!!!!!!!! 

THE XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT LISTED KNOW WHERE ELSE ON MY CREDT REPORT AND IT NEED TO BE REMOVED NOW!!!! ITS NOT LISTED ON XXXX  OR XXXX AT ALL. 

FIX MY CREDIT SCORE BACK TO A XXXX AND ANOTHER THING I BEEN ASK EXPERIAN TO VERIFIED THESE ACCOUNT AND THE XXXX   SYSTEM THEY USED IS OUT DATE THEY KEEP SENDING THAT SAME ONE PAGE LETTER WE VERIFIED I ASK EXPERIAN GIVE ME THE NAME AND NUMBER OF THE PEOPLE THEY TALK WITH THESE COMPANY .. THEY REPLY AND SAID NO I TOLD THEM BY FARE CREDIT REPORTING ACT THEY ARE REQUIRED TO MAKE SURE ALL INFORMATION IS 100 % RIGHT NO ERRORS THESE ACCOUNT ARE DEAD WRONG PERIOD FIX MY SCORE BACK TO XXXX AND DELETE THESE ACCOUNT NOW

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 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a student and I have an account with Bank of America. My account was compromised and a deposit was made to the account. The person/s who made the deposit attempted to withdraw the funds using a debit card. The transaction did not go through because in the interim the bank placed a hold on the account. my payroll goes into the account and is being held by the bank

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 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a text message from Discover Card, asking if I had recently made a {$1.00} charge at a XXXX station. Since I mad no such charge, I immediately called Discovers Fraud Department to inform them that no such charge was made by me. During the conversation, eight fraudulent charges totaling {$400.00} were identified. The representative stated that my card would be canceled to prevent further fraudulent charges and a new card would issued. Additionally, the representative stated that I would not be liable for the fraudulent charges and they would be removed from my account.

During my online review of current activity for my account, I noticed that Discover had reposted these fraudulent transactions to my account. On XX/XX/XXXX, I called Discovers Customer Service Department, asking why the fraudulent charges were transferred to the new account. The representative stated that the error would be corrected and the fraudulent charges would be removed within the next few business days. On XX/XX/XXXX, I received two emails from Discover Customer Service, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I received an additional five emails, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I once again checked online to see if the fraudulent charges had been removed. Once again, the fraudulent charges were still on my account! I sent a secured email through Discovers website, asking why these fraudulent charges had not been removed from my account. On XX/XX/XXXX,  all I received from Discover was a canned response thanking me for my letter and asking me to call a security specialist at another number for assistance. 

Given that Ive already received the runaround from Discover THREE times, I have no intention of going through this nonsense for a fourth time and am now contacting the CFPB for assistance and resolution since Discover has proven their incompetence in properly resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I sent a Qualified Written Request to XXXX XXXX XXXX XXXX XXXX, because the servicers informed me that this bank is the trustee of the alleged trust that they say is the owner of the alleged loan. XXXX XXXX XXXX XXXX received my QWR on XXXX XX/XX/XXXX. I sent the letter certified with return receipt. Up to this date I have not received the acknowledge of the receive of my letter as it is required according to Respa, they supposed to acknowledge the letter five days after receiving the letter and then, up to 30 days to answer. Due of the conflicting information and the fabricated copy of the alleged original note from the servicers, I believe, that the alleged trustee can give me the correct information. First, I was told that a XXXX XXXX is the legitimate lender/creditor who provided the funds for my loan on XXXX, this information was disclosed to me at the beginning of this year XXXX. The original lender identified on my trust deed and note, was not the lender, and I was not informed that the XXXX XXXX XXXX investors were providing the funds. Furthermore, I was never informed that the alleged loan was securitized. I checked the records of the alleged securitized loan and found out that XXXX XXXX, XXXX XXXX XXXX was dissolved on XX/XX/XXXX due of fraud, in addition this alleged loan was satisfied even before the trust was dissolved by the credit swap insurance. Bank of America has collected payments and inflated fees from me from XXXX up to XXXX, XXXX, then it transferred the service to XXXX XXXX that collected from me from XXXX, XXXX to XX/XX/XXXX, and transferred the service to XXXX XXXX XXXX, who has been collecting from me since XX/XX/XXXX and current. Since these servicers have failed to proof that they have rights to collect on this alleged, not existent loan, I'm requesting answers from the alleged trustee of a trust that doesn't exist. I want to know if it is part of the scheme, or its name is just been used. For that reason I want a certified copy two sided of the original note and trust deed with all assignments and endorsements. Or otherwise a letter stating that this bank is not the trustee of this non-existent trust.

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 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
My Federal Perkins loan was placed in default due to an error made by an employee of XXXX XXXX. On XX/XX/2017, This company states it tried to post a payment to my checking account. No account could be found or a NSF issue. They sent the loan into default. I contacted my bank Account credit Union. We went over the transaction history specific for that date..no transaction was found for XXXX..and the account had a balance of XXXX dollars in it and another {$1200.00} posted the same day. The months before XXXX XXXX successfully received the payments. I didn't change my account every thing was the Same. 
I believe the payment was applied to the wrong account or computer error on their end. 
There is now a default on my credit report and inaccurate information in my loans records. 
Had it not been for this one single incident my loan would not be in default

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
Apparently, my USAA account was closed due to fraud or account abuse on XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX. I have attempted to reach out to USAA by certified letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of there letters have been return to me as undeliverable. I also called on XX/XX/XXXX and XX/XX/XXXX and was informed by the representative that they see my chapter XXXX discharged bankruptcy on file and that they were not aware of what XXXX XXXX XXXX XXXX was. USAA has made it extremely difficult to get answers. I have done nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Tried close online says to send letter, send letter to close since didnt agree to new fee they added when changed account type on their own. Account still not closed month later while they try to accumulate fees for account type they changed to

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 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have repeatedly contacted capital one to have a new debit card mailed to me and It wont allow me to transfer funds that of been sitting in my account for over a month every time I call they send me to an answering machine Ive left at least 25 messages no one has called me back I cant access my Social Security XXXX and I now can not pay my landlord rent. I can not withdraw funds purchase funds view my statements and I try to pay my bill online using this app XXXX.

Company response to consumer: Closed with explanation