vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Again XXXX XXXX, XXXX has scheduled foreclosure Sale on my house. The foreclosure sale date is scheduled for XX/XX/XXXX. The foreclosure sale Notice I received from XXXX XXXX XXXX, XXXX said that please find enclosed advertisement of the foreclosure sale as published in XXXX XXXX XXXX. I did not and could not find any advertisement in the foreclosure sale Notice I received in the mail on XX/XX/XXXX. It is a false claim. 

Since the last foreclosure sale that was scheduled for XX/XX/XXXX, Mr. Cooper have not tried to reach out to me with respect to my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. So I do not understand the reason for the foreclosure sale on my house. 

Nationstar Mortgage now called Mr. Cooper have tried on so many occasions, very hard to unilaterally resolve the HAMP Loan Modification I applied for in XXXX. This is in violation of the HAMP Loan Modification Program guidelines. The HAMP Loan Modification Program guidelines specifically stated that in order to resolve the HAMP Loan Modification it has to be resolved bilaterally and not unilaterally. 

My other complaints are 1. I suspect that fraudulent activity is taking place in my escrow account statement I recently received from Mr. Cooper. 2. In the Informational Statements I received from Mr. Cooper, Mr. Cooper is trying very hard to collect from me the sum of {$440000.00} which is a violation of the Virginia Bankruptcy Law. I believe these complaints should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
exparian is demanding i pay a fee before allowing me to review my credit report, and to view any disputes i have opened with them on both my wife and i 's credit report which is full of invalid or fraudulent information and charges, they have also made it to where you cant cut and paste anything proving wrong doing against them on there web sit

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 2018-04-26 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: Mercedes Benz Financial Services
State: MO

Complaint narrative:
Every month for the last six months, Mercedes-Benz Financial Services continue to display inaccurate information onto my credit report at all tree Major Credit Reporting Agencies, intentionally. Enclosed is full complaint. Please read. 
Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have tried to communicate with both credit bureau and company about removing this debt of my report. This Nordstrom card was my mom who has passed away. I  was an authorize user. They have been contacted back in XX/XX/2017, I don't have exact date. However they are not removing my name off the card and has been passed on my credit report as charged off. I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: LA

Complaint narrative:
In XX/XX/XXXX I started a Business school and took out a Student loan through XXXX XXXX ( I think the 3rd word was XXXX ). The school closed 1 week after they cashed the check. The loan was for XXXX. I never went to school and after never hearing from them, I was asked to start paying back in about XX/XX/XXXX. My current husband and I had our Federal Taxes withheld to pay for this 4 times totaling more than XXXX. In XX/XX/XXXX the loan was sold to XXXX and they were paid at least 1 year at XXXX/mo and a Federal income tax check of over {$800.00}. All of a sudden XXXX is showing the amount due as {$4800.00}. In XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX with a balance of {$4200.00} and I didn't have to pay anything because I didn't have a job and they said they wouldn't use my husband 's income because he wasn't responsible for this debt prior to knowing him. Now XXXX XXXX XXXX wants $ XXXX/month because I have a job and make about XXXX/month. I wouldn't mind paying off the loan right now if it was just the original amount. We've paid more than the original amount and fees, but none of it has ever been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX reported to all 3 credit bureaus, that I was late 30 days in XXXX and 60 days late in XXXX both in XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XXXX XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.

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 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: ND

Complaint narrative:
My husband and I started a construction loan through XXXX XXXX XXXX. In XX/XX/2016 it moved from a construction loan to a normal home loan. XXXX XXXX XXXX sold it off to Loancare. We were making our monthly payment. I asked on multiple occasions to have our payment date moved from the XXXX to the XXXX or XXXX. They kept telling me that I would have to submit the request via email. I did this on multiple occasions. We ended up getting behind. When I called to make arrangements the first time, they wouldn't let me speak with anyone because they continue to say that I am not on the loan and they can only talk to my husband. ( this is affecting my credit and it has always been a joint loan ) The locked us out of our online account access because they say we are way farther behind then we were. They made an unreasonable payment arrangement and when we request information about our account, they say we have to submit a request through email. I did finally receive a statement of our account from the beginning and if you add up the amount of payments we should have paid versus the money of money we have paid. We have paid them in full. They refuse to work with us, and just keep sending threatening letters telling us we are going to lose our home. We are willing to pay and trying our best to work with them but they are impossible. I have read reviews online and we are not the only people having ridiculous problems with them and I need help. We are never going to be able to buy anything ever again because of the damage they are doing to our credit. Yet they still claim that I have nothing to do with the loan.

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 2018-04-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2018, I was notified via email that my dispute was complete. Upon receiving notice, I went online to view the dispute using my Mobile device, at first I was able to log in with no issues, and verify the security questions with no problem. Once I got inside, I attempted to view it the results on a desktop and was given an error message. I contacted Equifax by chat and was given a phone number to call to report the issue. Once I called, the representative I spoke with was very rude, aggressive and unprofessional. The representative ignored my reasons for the call and began to talk about other issues with my credit. When I informed him of the original reason for my call he told me there was nothing he could do and to deal with it. I requested to speak with a manager or supervisor but was told he could not help me with that either. I find this very disturbing that a company that handles such sensitive information would allow their employees to speak with customers in this manner. I think there should be a way for consumers to feel not only safe, but confident when dealing with such larger bureau such as Equifax, especially after the recent data breach. How can consumer ensure their confidentially information is safe when this company allows this type of behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
ON XX/XX/XXXX I submitted a complaint with the CFPB reference Healthcare Collections-I , LLC. Healthcare Collections-I llc is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that Healthcare Collections-I , LLC provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount Healthcare Collections-I , LLC bought or sold my account for. I am currently working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and requested the above issues addressed. I have also filed a complaint with the Arizona  Attorney General 's consumer complaint unit. 

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 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
I sent a written inquiry to the mortgage company on XX/XX/2018 asking that they re-analyze my escrow account. Due to switching home owners insurance ( to a more affordable policy ), I had sent the refund check I received from the previous insurance company to the mortgage company and it was clearly marked " Attention Escrow '' which was what I was advised by the mortgage company to do. When the mortgage company received the check, they applied part of the funds to my monthly mortgage payment and the remainder went toward loan principle ( instead of going towards the escrow account as intended and requested ). 

Because the funds were not applied as requested, my escrow account had a deficit during the year end escrow-analysis. I learned of this error when I received a letter from the mortgage company informing me that my monthly payments were going up instead of down ( as expected due to cheaper insurance ), this was an approximate {$80.00} difference per monthly payment. 

The mortgage company responded approximately monthly saying, in essence, " we are working on it ''. 

Now, XX/XX/2018 ( 113 days after the initial request ), I call the mortgage company only to learn that the letter I received on XX/XX/XXXX that states that the mortgage company is in the process of reversing and re-applying this transaction and will send me my new monthly payment amount, was not followed up on by the company. 

In other words, after the mortgage company took 3 months to research the issue and decided they were going fix it as of the date of the XX/XX/XXXX letter, no one did anything. When I spoke with the customer service representative today, XX/XX/XXXX, he said that " it appears no one actually requested the re-analysis ... I'll request that now for you.. '' Meanwhile I have been paying {$80.00} more per month because this mortgage company is requiring for reasons that are not my fault, but a result of their terrible clerical and administrative services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
Opened a checking account which had a {$200.00} signup bonus after a direct deposit. The terms of what qualified as a direct deposit were confusing and in fine print. I was not told that my direct deposit did not qualify until after the period to make one occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, XXXX % /annum, $ XXXX 2. XXXX XXXX took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Force me to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13.  No answer as of today XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
This is in reference to complaint # XXXX. I do not know how to add additional information to the existing complaint. Attached is additional info received from the company and a copy of a letter that I sent to them. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The problem that I have is that I am being told that both APR for purchase and cash advance on my Capital One credit card but when I make payments it seem like my cash advance balance never goes down and payments always are applied to new charges. The cash advance happen a long time ago and it seems as if I need to make a payment way large than what my credit limit is an order to pay this off. This should not be this way as I have credit credit with other banks and they do not have a payment policy like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bliksum, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I owned a XXXX  and applied for a business loan in the amount of {$10000.00} of which I was given {$9000.00}. 6 months later the business closed and failed to continue with the loan. In XX/XX/XXXX, XXXX XXXX had filed suit against the Corporation and has attached this law suit against me, personally. I have tried to inform them that they have attached a discharge in the amount of {$46000.00} which is effecting me with attempting to acquire a better rate, apply for a car loan, and rent a place for my family and me. I have contacted thier attorney several times and asked for them to remove that negative item. We are currently going to court in a civil limited case and they have already informed the credit companies that I owe them {$46000.00} Please Help, I dont know if what they did violed the law which it hasn't been resolved through the courts or the judge 's decision on the out come..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Clearview Resolution Services
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 XXXX XXXX from Clearview Resolution Services made calls to an old employer, left messages and spoke with receptionist, in detail, about debt owed. 

I have tried, repeatedly to call this company to figure out what the bill is for, and until I unblocked my phone number, it would not go through. 

XXXX XXXX harassed the receptionist at my prior place of employment, telling her that they were going to serve me papers there. Then she accused me ( after I finally got through to them ) of being the one who answered the phone and proceeded to tell my that I am a liar and a fraud. 

XXXX XXXX at Clearview Resolution Services is rude, and threatening. I believe this violates all the laws in place to to protect the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a XXXX XXXX. I represent a client in XXXX who is the victim of a socially engineered spearphishing attack. My client 's daughter 's email account was hacked, and the hackers were able to look through her email history and learn she will be getting married in XX/XX/XXXX. Using her email account, the hackers sent an email to my client posing as his daughter and asked for money to help pay for wedding expenses. My client responded by email and agreed, and asked for bank wiring instructions. The hackers sent him instructions to wire money to a U.S. Bancorp ( US Bank ) account in XXXX XXXX, CA. On XX/XX/XXXX, my client wired {$38000.00} to the account. Almost immediately, the hackers were able to make two cash withdrawals totaling {$10000.00}. The next day, the hackers made two cash withdrawals totaling {$19000.00}. 

My client realized on XX/XX/XXXX he had been scammed and alerted his bank, XXXX XXXX in the XXXX XXXX, who contacted their correspondent bank in XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX in turn contacted US Bank, at which point US Bank placed a freeze on the account in XXXX XXXX. By that time, {$19000.00} remained in the account. 

I have been able to track down the beneficial account holder, who lives in XXXX XXXX. I convinced the account holder to return to my client the remaining {$19000.00}, and he has received that money. I also convinced the account holder to allow me to have access to her bank statements. Based on the statements, I determined there were two large deposits followed almost immediately by four large cash withdrawals. US Bank has not been forthcoming in providing information with respect to those cash withdrawals -- I would like to know where the money was withdrawn, how, and by whom. 

Based on the two large ( {$10000.00} and {$37000.00} ) international wire transfer deposits, followed almost immediately by large cash withdrawals, it appears that US Bank failed to utilize appropriate anti-money laundering measures. Even if US Bank did have an anti-money laundering measures in place, the large international wire transfers and immediate cash withdrawals should have raised red flags and triggered immediate scrutiny. Furthermore, the two international wire transfers originated in XXXX and XXXX, two countries known to have rampant money laundering and bribery problems, and which are on the U.S. Department of State 's list of Major Money Laundering " Countries of Primary Concern. ''

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 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern ; My wife and I have a mortgage with Wells Fargo that they have refuse to modify. We have also tried to refinance away from Wells Fargo to no a veil. The last company that we tried to refinance with advised us that Wells Fargo has credit reported over {$17000.00} in the rears which is not true. We were in foreclosure, we brought the loan current last XX/XX/XXXX. I n XX/XX/XXXX of last year Wells Fargo raised our mortaage payment {$400.00} a month. Just last week we received a letter from Wells Fargo that we are over {$8000.00} past due, which again in not ture. We are only 2 payments behind. Our mortgage payment is {$2100.00} a month. We did a loan modification back in XX/XX/XXXX which was a step rate modification which has put us back in the same situation we were in before we modified our mortgage in XX/XX/XXXX. My wife and I want to modify our mortgage so we can afford to stay in our home or refinance away from Wells Fargo with a refinanced mortgage that we can afford to make every month. With our mortgage payment being {$2100.00} a month we are struggling to make the mortgage payment every month, which is why we'very fallen behind again. We are trying to avoid going back into foreclosure again. Wells Fargo has made it with our credit report that no one wants to refinance us and Wells  refuses to modify. We need help, we do not want to loose our 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