vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My husband and I refinanced our home in XX/XX/XXXX, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In XX/XX/XXXX, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the loan was sold to call the other Mortgage Co. so I did. They wanted me to fill out paper work for Act 91, so I did. After, sending the paperwork in by mail and fax they always lost my paper work, so I would re send it always. Now, after not paying them for about a couple months, the loan went into Default. I called them and said what 's going on? They always said the paperwork was missing, they did n't get it, they just gave me the run around. I have gone to counseling twice. Now, my house went into Foreclosure and at that time I was in the middle of filing bankruptcy. My house was up for Sheriff 's sale in XX/XX/XXXX and it sold, but I was still in the middle of filing bankruptcy. After all this happened I went back to my paperwork to read the agreements again. I am finding that when my husband and I refinance our home in XX/XX/XXXX, the bank messed with the paperwork. To make it look like I was the main bread winner of the household, I was n't, my husband was, so what they did was used my credit ( caused I had good credit then ). with my husband 's income. No bank in there right mind would give me a loan of that size no matter how good my credit was. My husband, his credit was no good. Of, course we did n't know the bank or the agent did this, we trusted them and signed the papers. Now, the house is up for Foreclosure again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on greenbae in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On numerous occasions I have disputed this account XXXX Now # XXXX with Experian. Upon receipt of my investigation results this account is reporting inaccurately. To date this account has not been corrected. Experian is violating my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Experian ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing one item on my credit report since XX/XX/2017 with no success. I paid a account in full on XX/XX/2017. Since then i have mailed proof and uploaded proof of payment to experian. I have also contacted the creditor XXXX ( XXXX, IL ) three times this month and the creditor told me it take two months to have this information updated with experian. Experian already has all the information needed to update my file but they keep sending disputes to the creditor which they come back stating verified no change in balance. This is not true and i would like for experian to update my file according to the proof i have submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed incorrect information that XXXX and XXXX reported to my Experian credit file. Experian removed the incorrect information. I just checked my Experian credit file today and noticed that the items have been re-inserted. According to the Fair Credit Reporting Act, Experian should have notified me within 5 days of the re-insertion. I did not receive such notification, and the item should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
It is ridiculous, this one guy XXXX at Ally Financial repeatedly calls my phone if my payment is even a day late. I blocked his number from my phone bc the calls were beginning immediately at XXXX and sometimes a little before, plus he has called my job to ask for me and I do not take personal calls at work unless it is an emergency. I really wish I would have read the reviews on this company before financing with them bc it looks as if they are a joke and they def have been proving that but the car dealership found them and they had best interest rate for us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion made changes to my report but still has a phone number related to identity theft as the phone number in my fraud alert. 

TransUnion has failed to block information related to XXXX account XXXX which had fraudulent activity as result of identity theft as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I have submitted police reports, identity theft affidavit, proof of identity as well as a statement that I did not receive goods or services as a result of these disputed transactions, and that the request was not due to error or material misrepresentation. 

TransUnion has failed to block the following inquiries as a result of this identity theft even though my identity theft affidavit stated I did n't apply for credit with these lenders : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX 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 non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I have a HAMP mortgage with Freedom Mortgage, I am to understand that with five years of payments in good standing I am eligible for a {$5000.00} payment towards my mortgage. I have written to freedom mortgage and called numerous times, numerous times. They take the information down and say they are going to get back in touch with me but never do. The last call the finally state they received my receipt of my letter it is under research. Please assist me in receiving the credit - that as I understand it is rightly due to me. 
MY contact number is : XXXX ( c ) XXXX. 
The company is Freedom Mortgage My loan # : XXXX Thank you for your assistance. 
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 2017-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BY CHANCE, I HAPPENED TO CHECK MY BANK STMT. FOR XX/XX/2016 AND FOUND AN DEBIT FROM " THE UNIVERITY OF XXXX XXXX ''. NO ORTHER INFORMATION. I CALLED THE BANK AND WAS TOLD THEY COULD NOT DO ANYTHING ABOUT IT BECAUSE IT WAS MORE THAN 60 DAYS SINCE THE TRANSACTION. 
I CONTACTED ALL 4 BRANCHES OF THE SCHOOL SYSTEM AND THEY COULD NOT FIND THE XXXX DEBIT CREDITED TO THE SCHOOL SYSTEM. 
I CALLED THE BANK AGAIN AND THE REP SEARCHED HIS DATA BASES AND COULD NOT TELL WHAT OR WHO IN THE SCHOOL SYSTEM ACTUALLY GOT PAID. 
THE REP ALSO ASKED ME IF I HAD CHECKED WITH THE 5 OFF CAMPUS LOCATIONS. I DID NOT KNOW ABOUT THEM. THE LAST TIME I ATTENDED XXXX AND XXXX WAS IN XXXX.WHEN I TRIED TO CALL THE DIFFERENT OFF CAMPUS SCHOOLS, XXXX XXXX XXXX, THEY TOLD ME THEY HAD NO AFFILIATION WITH THE XXXX SYSTEM. I TOLD THEM THE XXXX WEBSITE EXPRESSLY NAMES THEM AS OF CAMPUS.I TOLD THEM I HAD NEVER ATTENDED XXXX.THEY TRIED TO LOOK FOR RECORDS OF ME BY MY SOCIAL AND OF COURSE THEY DID NOT FIND ANYTHING.I BELIEVE I WAS THE VICTIM OF ID THEFT.THE COMPLAINT I HAVE IS THAT BANKS SHOULD HAVE DETAILED INFO LIKE CONTACT PHONE NUMBER ON THE BANK STSTEMENTS JUST LIKE THEY PROVIDE MERCHANT AND CONTACT NUMBER ON INTERNET PURCHASES. 
YOUR AGENCY COULD HELP HERE AND GET THE BALL ROLLING TO REQUIRE ALL BANKS TO PROVIDE THIS INFO JUST IN CASE AN ISSUE DEVELS LATER. I PROBABLY CAN NOT SUE THE BANK BECAUSE EVERY COMPANY NOW REQUIRES ARBITRATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was restrained. After it was released I withdrew my money from the account and asked the Bank of America to close it. This was in XXXX 2016. They did not. Since then they have been charging me a {$5.00} maintenance fee on the account every month. I have asked them to close the account repeatedly, but they refused. I even paid the maintenance fees even though I think I do not owe them, since they told me that was why they could not close the account. But even after that they did not close it. My account agreement says they must process any requests relating to my account within a reasonable amount of time. They should have closed my account by the end of XXXX 2016. I should not have been charged any maintenance fees. They have sent me a new debit card even though I said I wanted to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2017 my XXXX XXXX Bank where I have my checking account paid Bank of America {$12000.00} for a credit card payment. My Bank of America credit card balance was only {$120.00}. I made the error in the payment, as I neglected to insert the decimal point. I discovered this error on XXXX XXXX, 2017 whereby I called Bank of America, and they said the difference would be refunded to me in two to five business days. Well today, Friday, XXXX XXXX is the fifth business day and the {$12000.00} that Bank of America owes me is still not refunded back to my checking account. Therefore, I called Bank of America and was now informed that these funds were not going to be in my account until XXXX XXXX. I was livid, to say the least. How can a huge banking entity such as Bank of America justify keeping over {$12000.00} of MY money for two weeks? That is ludicrous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in XX/XX/XXXX we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In XX/XX/XXXX a second was taken out which was a joint loan and therefore changed title on property. 
After finalizing the refinance in XX/XX/XXXX a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only XXXX as the sole owner and I as non existing. On XX/XX/XXXX XXXX, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,, sell, continue to make payments with no legal interest in the property or assume the loan which involves qualifying to do so. 
In XX/XX/XXXX I was placed on XXXX due to health issues seeing I am not XXXX years old at the time of XXXX 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming XXXX grand children was absolutely daunting. 
After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. 
The deed to the home is now in my name going through paper work we found copies of the XX/XX/XXXX loan where on XXXX different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. 
I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. 
The loan is current and in good standings however XXXX of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my XXXX issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency. 
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill. 

I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty. 
I checked my bank records and do not show receiving that principal amount. 

At this point, they dropped the case and stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech again misappropriated my funds to create any financial hardship it can to facilitate a default since it knows I am unemployed and Ditech refused to provide a HAMP modification for a completed XX/XX/XXXX application. 

Ditech is overcharging me and putting the money in escrow. It is attempting to use the fact that the escrow account is mine and therefore it is not taking money. 

However, it is still a misappropriation of funds and an increase in my note that I should not be paying. 

I was paying an additional {$10.00} per month for a total of {$1100.00} because there was an escrow shortfall. It was cured on XX/XX/XXXX, and in fact my escrow account is ahead. Yet, Ditech refused to make the adjustment in XX/XX/XXXX or XX/XX/XXXX when new escrow estimates are supposed to take effect. 

Also, Ditech placed {$72.00} in funds in suspense and then put the money in escrow. My note does not allow funds in suspense to be put into escrow. I asked for a refund and Ditech refuses. My note allows for refunds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
To Whom It May Concern, I am the borrower, and I have continued to be subjected to undue stress by the mortgage servicers. First it was XXXX, now it is Ditch. I was approved for a HAFA short sale by the previous servicer, XXXX prior to XX/XX/2016. XXXX, unilaterally serviced released the loan to Ditech, which caused the buyer at the time to cancel the purchase agreement. The new buyer/offer was then submitted to Ditech, and they cancelled the purchase agreement, when it was determined both the septic tank and roof required replacement. Upon further inspection of the property, it has been in fact, determined the septic tank and roof require replacement ; see attached reports. As a result the subject property value continues to decline. Ditech refuses to work with me on a reasonable offer from the new buyer. I have a representative & supervisor who are not cooperative with the agents working on the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am a XXXX. I have paperwork to prove this. As a result of my fulltime status, i get XXXX and XXXX from the VA veterans affairs due to my military service. I get regular scheduled payments to my PenFed Credit Union Bank Account. This morning my XXXX did not show up. I called the bank to ask why and they said it was not entirely sent and they gave me a statement that lied to me. The Va claims they sent it out and the bank must have redirected it somewhere else. 
I need assistance in this fraudulent situation that is ruining my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I Applied for Business Bank Account through Capital One, XXXX, And was declined because of the following One or more applicants, account holders or beneficiaries has past or present civil or criminal charges. When is a bank required to do a Criminal Background before a Business Account can be issued?

Company response to consumer: Closed with explanation