vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
In XX/XX/XXXX, my husband and I were granted a trial payment plan through Penny Mac USA due to financial difficulties my husband and I had endured. I made my first trial payment, and submitted my agreement via fax. We received a letter in XX/XX/XXXX stating that our trial payment plan had been cancelled due to not providing the documentation in time. I called customer service who reported they never received it, and did nothing about it. I then emailed corporate due to my frustrations. They sent me a complaint team member. This team member requested a copy of the fax confirmation which I sent so it could be reinstated. The staff member inquired about jobs, which my husband and I had both lost our jobs and began a job change. She then asked if we defaulted on the trial payment plan which we assumed was yes. We did not continue with our payments due to their mistake and the confusion, and wanted to protect ourselves. Come to find out yesterday, however, she assumed we meant we would have defaulted anyways which is not what I meant. She would not provide me with documentation of saying this either though I have all email correspondence and there is no record on email. At the beginning of XX/XX/XXXX, I communicated with this staff to begin a new application. I never heard back from her for four weeks, and had to reach out first to have the process continue this week. By this point, I had received a deed of trust. She sends the information to the underwriter who informs me to ask for a postponement as I had not received a full paycheck yet, and would not until the end of XX/XX/XXXXand for the mistake. I requested this and it was denied, with my auction set for Monday. None of this would have occurred had my documentation not been lost. They have switched this to put the fault on me when they lost documentation escalating foreclosure. I am so frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
XX/XX/2018. I contacted a collection agency NCC business services located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX The guy seemed wary about the whole conversation. But, I attempted to find out what my debt was, after already seeing it on my credit report. I knew the amount was not right. I was already on their website while on the phone and the guy told me to go to another website ( although the one I was on was clearly theirs ) to pay off the debt. I asked if I could receive a confirmation if I paid as I thought I owed and he said he couldn't do that over email. I tried to type in the account number he gave me for their website to make a payment and it said : " NCC Business services no longer handles your account. '' Yet, on the phone, he was trying to persuade me to make a payment. Overall, the experience was very sketchy. I felt inclined to report them, just in case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Student Loan Center
State: TN

Complaint narrative:
I was called by Premiere Student Loans on XX/XX/2018. They told me that I am eligible for student loan forgiveness. They said the federal government was going to forgive 70 % of my loans on an income-based forgiveness program if I provide them with 2 of my pay stubs, told me all of the amounts that I now owe ( approximately {$10000.00} ) and started me on a payment plan for 245 months. For 5 months they will take {$230.00} from my bank account and for 240 months they will take {$40.00} on the XXXX of every month. They have my card information, social security number and changed my FSA ID password. 

Here is the contact information from the student loan advisor I talked to : XXXX XXXX Student Loan Advisor PREMIER STUDENT LOAN CENTER Direct XXXX Fax number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
I signed up for loan forgiveness with Equitable Acceptance. Upon further research I found out from my lender Equitable Acceptance can not forgive my loans and is in no way providing any loan/debt relief help. I was further informed that no such company exists that can offer loan forgiveness and I need to take action to cease communication with these scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
REVISED STATEMENT : COMPLAINT XXXX. On XX/XX/XXXX contacted BBVA in regards to receiving my provisional credit for Account ending in XXXX. Customer service representative refused to give me the fax number to fax my complaint and when I requested to make a request over the phone to provide proof of my complaint she stated there was no record of my complaint even though I provided her with my claim number from Consumer Finance. I am revising and updating my complaint due to BBVA Compass bank stating they have no record of my complaint. My initial complaint was completed on XX/XX/XXXX allowing the following disputes to be addressed and researched. I am disputing the following charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total unauthorized charges/transactions in error : {$1500.00} After investigating these charges ; I am also disputing the NSF ( non sufficient funds ) fees associated with these charges. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX Non-Sufficient Funds Total : {$380.00} TOTAL DISPUTED CHARGES : {$1900.00} ATTACHED ARE RECEIPTS FOR TRANSACTION IN THE AMOUNT OF XXXX VERIFYING AMOUNT PAID NO MERCHANDISE. 

XXXX RECEIPT FOR ONE TRANSACTION IN THE AMOUNT OF {$750.00} CARID EMAIL STATING REFUND WAS TO BE PROCESSED IN THE AMOUNT OF {$190.00} LETTER RECEIVED ON XX/XX/XXXX DENYING TRANSACTION IN THE AMOUNT OF {$4500.00} FROM XXXX. I HAVE NO RECOLLECTION NOR ANY DOCUMENTATION OF THIS PARTICULAR DISPUTE OR FUNDS BEING REMOVED ON THAT DATE. 

EMAIL RECEIVED ON XX/XX/XXXX VERIFYING THE 10 DAY TIME FRAME HAS EXPIRED AND BANK REQUESTING ADDITIONAL TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
XX/XX/XXXX AMOUNT I DO NOT OWE IS {$1800.00} AND XX/XX/XXXX AMOUNT I DO NOT OWE IS {$670.00}. THESE AMOUNTS WERE ILLEGALLY PUT ON MY CREDIT REPORT BY XXXX XXXX ( {$1800.00} ) ALSO MIDWEST RECOVERY SYSTEM ( {$670.00} ) MY CREDIT REPORT HAS BEEN DISRUPTED BECAUSE OF THE FALSE IMPLICATIONS OF THE AMOUNT OF MONEY I DO NOT OWE. 
I AM BEING HARASSED BY THESE PEOPLE AND IT IS NOT RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: OH

Complaint narrative:
Experian is getting about as horrible as its going to get when it comes to being in violation of FCRA laws. The first thing they did was I sent out a certified request for them to verify who did they get their information from about a bankruptcy on my report. They sent back a notice that says they didnt have enough info to complete the request although I included all necessary identifying information that they needed, the letter was straightforward and fairly simple. Second, they are constantly removing INACCURATE personal information, addresses, etc. but placing it back on the credit file without sending notification within the 5 days like they are supposed to. And this stuff is coming from stuff that is already reported on the report so if its being disputed it clearly is inaccurate and a lot of it is beyond seven years old. Not only that, but they are also not verifying this information but rather placing it on the report no matter who it comes from. They were sent a letter on XX/XX/XXXX indicating that XXXX XXXX XXXX were to validate their account in which they have not and the 30 days have passed yet they have not removed them from the report. They have put a debt on my credit report from XXXX XXXX and these people have yet to send me any formal written communication about this debt, I still wouldnt know anything of it if it werent for credit monitoring. They are getting to be ridiculous to deal with and I dont have these many issues with the other two bureaus. As of today I am going to fully exercise my right to file lawsuits and whatever else needs to be done to bring them in line with FCRA guidelines

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax about 5 times within the last 45 days in reference to hard 10 hard inquiries appearing on my credit report in a 30 day period. My identity was compromised. I sent them a police report. They have yet to remove these inquiries. The have yet to provide me proof with my handwritten signature to show that I XXXX XXXX applied for these applications and signed. I am trying to buy a home amongst other things and these hard inquiries are affecting me in a huge way. I need these taken off my report asap. 

Ive sent the police report to XXXX  and XXXX who has cooperated and removed all 10. Equifaxhas not. 

The inquiries are : XXXX XXXX/ XXXX on XX/XX/2018 - Unauthorized, XXXX XXXX/XXXX   XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXXXXXX XXXX , XXXX XXXX on XX/XX/XXXX &  XX/XX/XXXX BOTH Unauthorized, XXXX  on XX/XX/XXXX - Unauthorized, XXXX on XX/XX/XXXX -  Unauthorized, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX BOTH Unauthorized, XXXX  XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXX on XX/XX/XXXX -  Unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a savings account with PNC Bank. The bank gave me the option to fund the new account with a credit card and so I did. {$1900.00} was charged to my card and made it to the account on XX/XX/2018. A " cyberfraud '' security freeze was put on the account soon after. Now I can not move or withdraw the {$1900.00}. I call PNC to resolve the issue and they say that the only way I can have the account unfrozen is by going to a PNC branch for ID verification. PNC Bank does not operate in my state, California. I am not going to book a round-trip flight to a PNC location to get my identity verified. 
PNC should not have allowed me, a citizen of California, to open the account to begin with, if it requires flying to the east coast to verify ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to them.

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 2018-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My XX/XX/XXXX payment was 2 days late but the minimum payment was made, the next month they increased my minimum payment requirement, my pre-scheduled XX/XX/XXXX payment was early, I thought, but not for the whole minimum payment amount since I had pre-scheduled it and not realized they had increased it, so the remainder of the minimum payment, {$9.00}, was 3 days late in XX/XX/XXXX, now my XX/XX/XXXX minimum payment has increased again. 

Can they really charge me late fees, increase my interest and increase my minimum payments, even though my account is current? Where can I find a rule to tell them they can not keep increasing it? 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX has called multiple In Laws of mine multiple times and disclosing my personal information such as amount owed, etc. The last phone call they made was XX/XX/2018 to my husband in which he was given personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Sallie Mae originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. These deceptive practices are a reason the country falls further and further in debt. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Problem : XX/XX/XXXX Wells Fargo took a full mortgage payment from my payment schedule to pay for {$40.00} short on my mortgage payment. WF kept that going until I was notified by mail my yearly escrow payment schedule and the payment to WF was adjusted on my end to pay WF the full payment. Once my Ch13 was discharged XX/XX/XXXX I was contacted by WF with a letter informing me I had funds that could not be released until I brought the account to full. WF began a full assult of phone calls asking for the balance be paid in full. WF stated on a phone call they would send me all the info of when this short fall happened and for how long ... papers never arrived. The other form of documentation she said she would send is a Cease and Desist for me to file against WF ... never arrived. I have since stopped taking calls from WF. Last month I went on line to find the start of the shortfall and did find the date and was going to download all the documentation however I was called to work and sad to say forgotten. Last week I attempted to log into my account and was unable to I attempted several times and still I was unable to log into it. I contacted WF directly and was told they have blocked my account due to this issue of non-payment. WF does not have the right to block me from my own documents.

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 2018-06-08 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Two related complaints : My card was 1 ) improperly declined, I believe, because of a problem in the bank 's system dealing with payments that wasn't adequately disclosed. The bank 's website also displayed incorrect information to me. 

What happened : - I set up auto-pay - Unbeknownst to me autopay needs a full billing cycle to work, so after setting it up, the next payment won't be made. 
- This wasn't adequately disclosed. In fact, the dashboard on the website told me autopay was set up next to the statement balance so I didn't worry about it. 
- The payment reminder email didn't say anything about this autopay delay - The due date past and I was charged a late fee ( {$27.00} ) - I called Barclaycard and set up a payment over the phone and they waived my late fee - A few days later, on XX/XX/XXXX I received an email that my payment was received.

- On XX/XX/XXXX my card was declined, even though I paid on time for a normal transaction under {$15.00} at a cafe. I think they declined it because their system thought I hadn't paid. It was embarrassing.

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 2018-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
My current mortgage is being serviced by Homebridge, the reason for this complaint is due to moneys that have been sent by my insurance company for the repairs after hurricane Irma.  The check from my insurance came in my and my wifes name along with the mortgage company Homebridge. I have been hiring different contractors to perform the jobs necessary to finish fixing my house. Trying to get Homebridge to these contractors has been an absolute nightmare. I have called over 100 times to try and get checks cut to pay the hired contractors and for some reason or another Homebridge will hold sending payments or state that the check got lost in the mail or that the inspector they hired states the from a simple drive by from the street he can see that only 11 % of the work has been done. Currently I have a roofing contractor performing the repairs necessary for my roof and his contract states that 50 % of the invoice be paid upon receipt of the material necessary to do the job which Homebridge has a copy of that estimate along with the contractors insurance and license. The materials where delivered XX/XX/XXXX for which I took a picture of the materials sitting in my driveway and sent it to Homebridge loss draft department and they confirmed receipt. The roofing contractor has yet to receive his 50 %, the contractor then started to perform the work of which I informed Homebridge by email and by speaking several times with XXXX XXXX, I also left several messages for her supervisor XXXX XXXX 4 to be exact of which she has never had the decency to return any of the phone calls. At this point the contractor has stopped work and has left my roof halfway done because he is not receiving any funds. I have also explained this to Homebridge. They currently hold a little over {$14000.00} hostage because of this mystery inspector that apparently also doesn't have the decency to call me and explain to me how he can see from the street the repairs done to the inside of my home along with the fence repair done 600 ' in the rear of my property and state that only 11 % is complete. Homebridge refuses to give me the inspectors number and has refused to send the necessary payments for me to pay the roofing contractor. It has been like this since they have received the money from my insurance policy. I need help in getting them to release these funds so I can pay the roofing contractor and be done with this nightmare of a process with this company.

Company response to consumer: Closed with explanation