vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX, XXXX I received a letter from BBVA Compass informing me that my mortgage had been paid in full, and not to send any more mortgage payments because they would be returned. At this time, I was still in Chapter XXXX Bankruptcy. I called the number on the letter to verify the information. The computer operator confirmed the information in the letter. I have asked BBVA Compass for a mortgage release numerous times ; I have yet to receive my mortgage release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: FL

Complaint narrative:
Experian refuses to state in my credit report that the debt initially reported by XXXX XXXX XXXX is actually paid. The XXXX balance of the debt sold to another in no way actually indicates that the sold debt by XXXX XXXX XXXX was actually and subsequently paid by me. 
In addition, contrary to the existing laws, in XXXX of XXXX Experian allowed XXXX XXXX XXXX to update the information on the debt XXXX XXXX XXXX no longer has owned since the year of XXXX. Experian refuses to post the information that I paid the debt in question to the new creditor XXXX XXXX XXXX on XXXX 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 non-monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Company is XXXXXXXX. Received bill for {$92.00} which I paid in full by mailing check on XX/XX/XXXX. I went into the local Post Office to mail check. It was due XX/XX/XXXX.  Received another bill from them last night, XX/XX/XXXX, for late fees in the amount of {$29.00}. Late fee of {$27.00} posted on XX/XX/XXXX and {$2.00} Minimum Charge posted on XX/XX/XXXX. Phoned them this morning. They claim that all mail is opened and processed as soon as  they get it and they recommend people send payment at least 7-10 days before due. I thought this was what I was doing and was shocked to see late fees applied. I went on a consumer fraud forum last night on line and saw many other complaints about this bank ... XXXX. There were many complaints about late fees added similar to mine. On my bill, they posted my payment on XX/XX/XXXX ... ..how convenient ... ... one day after it was due. XX/XX/XXXX was a Sunday and the day after was XXXX XXXX and a Post Office holiday, BUT ... even if letter did not leave the Post Office until Tuesday, XX/XX/XXXX ... ... they should have gotten it by XX/XX/XXXX ... nine days later. XXXX XXXX runs a scam ... .they make millions on fraudulent late fees! I went in to pay the fraudulent charge to local XXXX XXXX this morning. They were surprised fees were not waived by my phone call. Only made payment because XXXX  threatens to report to Credit Bureaus. Thus ... .XXXX owes me {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX Credit Card {$600.00} Opened XXXX I 've currently submit an Identity Theft Report to the federal trade commission as well as disputed this account with the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I own a home in Florida. It was damaged during the recent storm on XXXX XXXX, XXXX. I rent it out to tenants. My insurance company is XXXX XXXX XXXX ( XXXX ). I reported the damage. Fortunately, the house was habitable at all times. The main damage was to the roof. To mitigage damage to the house, my property manager, at my request, had the roof repaired as quickly as possible. XXXX later sent an adjuster, " XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX '' to the property. Its report is attached. It begins on the sixth page of the set of documents that are attached. XXXX sent me a check based on the adjuster 's estimate. However, to cash the check, I needed the endorsement of my mortgage company, Wells Fargo. I went to a Wells Fargo branch to obtain this endorsement on Saturday, XXXX XXXX, XXXX. However, Wells Fargo required me to sign the attached document entitled " Insurance claim check endorsement & Property Inspection Agreement ''. I regret that my wife and I did not think this through before signing. There are provisions that I think are unconscionable. First, in clause 3, it is stated that if repairs are not completed in 120 days, I admit that I have breached the terms of my mortgage and Wells Fargo may call our loan due. In addition, on the prior page, it is indicated, in the second paragraph, that those repairs need to be 100 % complete. This provides, in my opinion, far too much discretionary power to Wells Fargo. I consider it unconscionable that a person trying to repair their home but perhaps not meeting Wells Fargo 's definition of timely completion or an inspector 's definition of 100 % completion ( rather than some more sensible level of substantial completion ) could lose their mortgage. This requirement was not written in my insurance policy with XXXX. No consideration was provided by me for this additional right conferred upon Wells Fargo. Is n't making this provision mandatory inconsistent with consumer protection laws? Also, clause 2 provides me 10 days from XXXX XXXX to indicate any disagreement that I might have. I suspect that this means that I can keep the proceeds, apply them to the repairs, and not agree to these extreme provisions. I plan to indicate in additional ways in writing my disagreement to Wells Fargo, but I want to know what my rights are. In order to keep the proceeds, am I required to sign something with such draconian provisions which place my entire mortgage at risk? I suspect many others in Florida are facing the same situation. This may be a good story for 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 2017-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Trust Management LLC
State: TX

Complaint narrative:
These People called my job today XXXX/XXXX/XXXX. They called from XXXX. They did n't anounce the name of the business when I called.She just answered as XXXX XXXX. They sent no documents to my house showing me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: AES/PHEAA
State: CO

Complaint narrative:
On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Since XXXX XXXX, i have had trouble trying to get my payments back on income base. I am a single parent/ single income. I have been trying to find the application on the website and it took me for a loop. I filled out an application/ got approved for income base 4 yrs ago. The application was accessible, plus customer service was available. It was set up differently when i tried to apply again in XXXX of XXXX. Now i am backed up on my payments because i can not afford the monthly payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
About 45 days ago my auto company removed my loan from my credit report causing me to lose 4years of good payment history and causing my credit score to drop I have made approximately 10 different phone calls talking to upwards of 20 different people always being told the same thing we will get this updated and reported as of XXXX/XXXX/XXXX its still not corrected on my XXXX report the one they removed it from, I have asked repeatedly under the fair credit reporting act they fix this but I get nowhere everyone says I will call you back after I look into it but no one ever does I am to the point I have started looking for an attorney to help me. I applied for a Home loan because my scores where fine but when they pulled it and this wasnt on my report it dropped my scores enough I was denied the loan I am just tired of dealing this and want this matter fixed 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 explanation
Consumer complaint received 2017-11-01 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: NV

Complaint narrative:
I was recently establish a membership to XXXX XXXX XXXX XXXX XXXX in XXXX Virginia short name XXXX XXXX because of the name XXXX XXXX Sounds Great they got all The Top Brass and I got Little interested to bank with them. the great thing they have to offer to many product like mortgage auto loan Multiple credit card ETC. I open my account because I thought they might offer me a credit card with higher credit Limit so I can supply the Shortage on my XXXX XXXX XXXX  Fees, Books, Gas Money, and Food. all of these expectation were end up on disappointnment when I found Im not qualify for the first time so my application # XXXX on XXXX XXXX, XXXX was TurnDown and never give up and another try application # XXXX on XXXX XXXX, XXXX was turn down also and try the third time application # XXXX on XXXX XXXX, XXXX was turn down again. 
all of these Denial from XXXX XXXX XXXX XXXX are bases on Equifax Report and all the reason are the same result and all end up to nothing and disappointing I wish you guys can help me to Investigate what is wrong to the Equifax Report and Im Hoping to resolve the Issue with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance Bureau of Collections
State: FL

Complaint narrative:
I was paying XXXX XXXX XXXX XXXX for a hospital stay for XXXX XXXX due to XXXX XXXX XXXX and XXXX. I was paying 35 to 50.00 approx. per month and was then told I was past due ; that I had to pay in full that I was not paying enough to keep account current. I explained I was on workers comp and out of work and XXXX was the most I could pay. Initially I was told to pay what I could then out of the blue a letter was sent to me that my acct was sent to an outside collection agency for non payment. I explained I was paying regularly and had been in contact with XXXX billing, Why was I now delinquent. I offered to set up a pymt plan and was told I could not because it was too low of a payment. If I was trying to pay is .that not better than not getting any money? I do not understand. Also they tried to reduce it to half and get me to pay a lump sum. If I had that lump sum why would I be trying to make payments. This was just noted on my credit acct recently and I would like to fix my credit. I do not feel this is just as I have tried to work out pymts even while unemployed. I am working now and I have been trying to repair my credit, since my work injury. Certainly there are some options. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX I was hospitalized the week of XXXX in XXXX with XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX also in XXXX, Fl.The last 4 of my SS # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XXXX of XXXX we filed for chapter XXXX to stop foreclosure and the sale of our home. We received a Notice of Recission stating that the foreclosure and sale of our property had been reversed. We applied for a modification of mortgage through Ocwen XXXX XXXX XXXX and it was approved.Nothing was sent to the the XXXX XXXX County Recorders office to notify them that the property reverted back to us. In short, we do not exist on this property and the Grant Deed remained in possession of the Mortgage holder. The Trust account is being held by XXXX XXXX of behalf of XXXX. I would like this resolved as soon as possible. 
I am being told by Ocwen that they can not help me and that I am to contact XXXX XXXX. I contacted XXXX XXXX and I was told that Ocwen needs to resolve the Grant Deed issue with the County Recorders Office. 
They keep bouncing me back and forth between departments. I have contacted Ocwen Loan Servicing numerous times and asked them to take care of this matter. This all stems from getting approval from XXXX XXXX ( XXXX XXXX XXXX ) for the funding of artificial turf, through our property taxes. The work was done after XXXX XXXX approved the funding in XXXX XXXX. I just now found out that there is an issue with us being the owners. I signed the official documents and sent them back to XXXX XXXX and the installation process was done and completed.

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 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage is in the process of being transferred from XXXX XXXX to Mr Cooper ( aka Nationstar Mortgage LLC ) effective today (XX/XX/XXXX ). This morning I received an unencrypted ( non-secure ) " welcome '' e-mail from Mr Cooper ( mailto : XXXXXXXXXXXX ). Unfortunately, too much information was included in the body of the e-mail, including name, property address, complete XXXX account number, complete Mr Cooper account number, current loan terms ( interest rate, payment due date, payment amount ), etc., which created a huge security and privacy breach. The customer service supervisor that I spoke to insisted that this was completely within approved protocol -- furthermore, it is Mr Cooper 's  normal business practice to send out this e-mail to all new customers. Apparently, Mr Cooper will compromise personal financial information for nearly 800,000 former XXXX customers during this transition -- in other words, they are creating a miniature XXXX-like data brach. This is TOTALLY UNACCEPTABLE in this age of multiple breaches of PII!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX placed over {$700.00} into collections with Diversified Adjustment Service stating that I owed them money for wireless services. After speaking with the collection agency they indicated an address ( XXXX XXXX XXXX, CA ) that was used to establish services. I have NEVER lived at that address and it appears I have been a victim of identity theft. As a result the collection item has been placed on my credit for ALL three major credit bureaus. XXXX XXXX has refused to remove this item from my credit and has reported FALSE information. They have violated the FCRA/FDCA by sending this item into collections. 

Diversified Adjustment Service has continued to report this account on my credit and has violated the FCRA/FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent in letters to Experian XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ) These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.

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 2017-11-01 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: Automotive Management Services, Inc.
State: NC

Complaint narrative:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This XXXX of them and is a fraudulent account. 

Automotive Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: MA

Complaint narrative:
This company offers a short term installment loan for {$800.00}. The interest is over 450 %. Payment is XXXX a month for ten months. I have paid to date over XXXX and still owe over XXXX. 
I sent a letter on XXXX stating that loans with this interest rate are illegal in Massachusetts. They responded today that I can mail my payment but I still have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I copy of inaccurate information relating to my criminal background was sent to a prospective employer on XXXX. The inaccurate information states that I was convicted on a XXXX XXXX XXXX on XXXX with a sentence of 60 hours of community service. The information is inaccurate because I was never charged in this case as the case was fully dismissed. I checked with the XXXX County Superior Court of XXXX and verified that the information presented on their end reflects just as I said, the case was dismissed & I was never charged.

Company response to consumer: Closed with explanation