vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
XXXX  OF  XXXX  AND  BAYVIEW LOAN  SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU  XXXX   XXXX   XXXX  provided  Bayview Loan Servicing with  fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to   XXXX    XXXX   XXXX  and  Bayview Loan Servicing responding to multiple Qualified  Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments,  Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on  XXXX    XXXX   and has continued through the present.  Bayview Loan Servicing  is a  XXXX  dollar corporation, currently they manage approximately {$11.00}  XXXX  dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank  XXXX   XXXX  continues to do nothing about our complaints in fact, Bank  XXXX   XXXX  has intensified the well planned scheme and has involved  Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and  Bayview Loan Servicing upload   these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service.  XXXX   XXXX   XXXX  transferred our loan to  XXXX   XXXX   XXXX  without making corrections caused by misappropriation of payments and forced placed Insurance. The  Master Servicer  Bank  XXXX   XXXX  has instructed  Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX    XXXX , MS . I contacted the Judgment Court and was t old that  XXXX   XXXX  would have to notify them that the Judgment was satisfied. I filed a dispute with Equifax Credit and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to state  Amount Satisfied. I  have been unsuccessful having this changed by   XXXX   XXXX    and the Judgment Court  in  XXXX    XXXX , MS .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   ( Attorney 's Firm  : Schrier, Tolin & Wagman l ocated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However,  XXXX  has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX   County  and the case still opens. In addition,  XXXX  has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened an acc ount with HSBC, and was supposed to get a {$100.00} referral bonus, plus a {$250.00} bonus for having a combined {$ 35000.00} in checking and brokerage account. I spoke with a rep who helped set everything up and confirmed it was ok. However, I did not receive the aforementioned bonuses. Additionally, t hey changed the fee structure on top of all this. I therefore moved out the funds and incurred a {$95.00} fee. ( added to this, I was not reimbursed the {$50.00} fee for moving the funds in ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On my  Wells Fargo Visa card. I was charged a Minimum Interest Charge of {$1.00} on a balance of {$4.00}. That is an annual interest rate of over 250 %! This far exceeds the quoted interest rate on the card of 21.90 %. I believe that the company has made a false statement since their Interest Charge Calculation on the very same bill makes no mention of minimum interest charges. Please help stop this deceptive and unfair practice. There is no reason why a card should be permitted to have a minimum interest charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
I HAVE REC EIVED 15 CA LLS SINCE MONDA Y (   XX/XX/17    ) FR OM CONN 'S  THEY ARE CALLING FROM  XXXX  THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME  XXXX  A DVISED THAT I AM NOT  XXXX  AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO  NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE  MADE 15  CALLS TO ME SINCE MOND AY (   XX/XX/17    ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oakridge Direct Solutions Inc.
State: CA

Complaint narrative:
This company called my cell phone and left a message threatening me with litigation. An y debts they may be referring to are many years past the applicable statue of limitations in the State of California (  or any other state ). When I called them back,  XXXX   XXXX   XXXX   XXXX  confirmed - and repeated - this threat. This is illegal.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt.
He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work.
This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
In  XXXX  I purchased a   XXXX   XXXX   XXXX   from BMW of   XXXX   ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
<P/>
As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
<P/>
I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
<P/>
Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
<P/>
I am only requesting that the claimed balance be removed from my credit repair. BMW of  XXXX  acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
<P/>
I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JMS Associates, Inc.
State: FL

Complaint narrative:
Today starting around   XXXX   we started getting calls from   XXXX   XXXX   XXXX     XXXX  . Our bartender answered the phone told this man the owners and managers where not available at this time and if he would give her is name and number she would give it to us when we arrived. He would not just give her his name he was sarcastic and wanted all of her information. She is an employee and this was unnecessary on its own. She gave it to him and after continuing to ask her questions and her telling him she could not help and was very busy, rudely gave her his name and case #  XXXX . As soon as I arrived ( manager ) I called him and started by relaying how inappropriate his conversation was and if he needed something to put it in writing to us. He was extremely aggressive and intended on pushing buttons so I told him to just give me the debt information which he never did. I told him not to call and he not only kept calling but calling and threatening to take myself, the owners and bartender to court. Calling me uneducated trash and trying to get my personal information which he has not rights to. I finally called the police they came in and tried to call he would not come to the phone. The police left ( luckily only as far as his car ) and   XXXX   called again and I had to go to the car and get the officer to come in and handle him. The entire time we waited for the Police to come back in " he was on the phone with his boss '' this man tied up my business line and proceeded to push all of my buttons. He threatened my employer, my staff and my self and I do have plenty of customers that listened to it as he did it.. The officer told him if he had a concern to put it in writing and stop calling us. I was only able to get the name of his company by looking up the phone number on  XXXX . It is JMS Associates Contact Information   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Local   XXXX   XXXX   XXXX   XXXX    Toll Free   XXXX   XXXX   XXXX   XXXX   Fax  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to  Trans Union letti ng them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and  Trans Union ref uses to delete the fraudulent accounts from my credit report stating in a letter its verified.  Trans Union provided no physical evidence to why they wont remove it, according to the   FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number :   XXXX   These accounts need to be Deleted asap!    XXXX  -  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   -  XXXX ,   XXXX   XXXX   -  XXXX   XXXX / XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
An account was placed under my name erroneously. Since then,  TD BAN K  USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient Student L oans created obstacles to my repayment by providing bad information and illegally cheated me out of their rights to lower payments, which caused them to overpay for their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Yes, my name is   XXXX   XXXX  . I have written before about this issue with  USAA Federal Savings  Bank Mortgage  Services, Homeowners Insurance Services- in   particular   XXXX   XXXX   XXXX   XXXX    out of   XXXX  Alabama and   XXXX    , w hom  USAA uses to  service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with  XXXX   XXXX  of  USAA, who USAA assigned  to investigate these matters.   XXXX   XXXX   was unable to find any voice recordings of myself nor my realtor of   XXXX   XXXX   XXXX  , in  XXXX   Alabama- f or the last  30-days. This is odd as USAA reco rds every call!  Second,    XXXX   XXXX   claimed  USAA does no t provide any informal property appraisal 's. As I explained to   XXXX   XXXX  , why was this simply not originally told to my realator, instead of her being transferred  3-times, and  myself whne I was transferred everywhere but right department at  XXXX  - t his says nothing of  USAA agent I spo ke with simply not telling me this to begin with.   XXXX   XXXX   was also supposed to call my realator and explain this when we humg up and she did not.   XXXX   XXXX   also asked if, I wanted  USAA to re investig ate   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of  XXXX   County-     XXXX   XXXX   ,  who has ties to   XXXX   XXXX   XXXX   XXXX    out  of  XXXX  Alabama  . I al so told you I have had issue with City of  XXXX , and my  Property Owners Association-    XXXX   XXXX   XXXX   XXXX  . Additionally, I told you,  XXXX  numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX  - ergo why I  am selling, in large part.  XXXX , renowned authority severa l thousand people  a yer commit  XXXX  due to Homeowners Association/POA  XXXX . I will simply not be  one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.  <P/>  PS : As  I have told you repeatedly,  USAA is run by r etired senior military officers and there are well over  50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Greentree & Associates
State: WA

Complaint narrative:
I am a single,  XXXX   XXXX -year-old woman. I have lived in my home for 32 years. In  XXXX , I took out a conventional mortgage loan with  XXXX . The loan was supposed to be 5.5 % APR. At closing, I was charged 7.75 % APR and an additional {$18000.00} in fees. In  XXXX  due to a medical condition, I was unable make these much higher payments.   XXXX   XXXX   XXXX   took over the mortgage without my consent or knowledge and began foreclosure. The foreclosure documents I received only included 1/2 of the house on the Deed of Trust and Title, but included a building parcel I own free and clear, instead of the parcel with the other 1/2 of the house. I brought this to   XXXX   XXXX   XXXX   XXXX   attention.   XXXX   XXXX   XXXX   agreed to modify and re-do the loan as a short sale for {$330000.00}. However, they never completed this process and sold the mortgage again without my consent or knowledge to GreenTree. GreenTree began foreclosure without correcting the Deed of Trust or Title. They simply ignored the problem and went to foreclose anyway on the wrong parcel and only half a house. I paid for and completed two loan modifications, first in   XXXX   and again in  XXXX  only to be ignored by GreenTree. Since then I have made payments to the chapter   XXXX   Trustees for several years with the assistance of my attorney   XXXX   XXXX   XXXX  . In  XXXX , I had to file Chapter   XXXX   bankruptcy to stop the foreclosure process, ruining my credit and preventing me from doing business. Can you please help me? The fees and interest accumulated due to this dragging on for years is beyond the reasonable market value of the home. However, we are at a stalemate on who will address and correct the legal problems on the loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase has security policies and rules that are so strict they actually render their attempts at security less effective. I have 16 years of   XXXX   XXXX   and have 100s of passwords I need to know. The only way I can remember them all with out writing them down is to have a formula. Chase 's rules break my formula and actually they are the most restrictive rules I have ever seen which means several variations my formula that I commonly use do n't work. That means the only way I can remember my password with them is to write it down. Any beginner in   XXXX    knows that is the worst thing you can do.
<P/>
Once I got past the password fuss they asked me for my personal bank accounts username and password so that I could do an ACH transfer to them. In this day with companies getting hacked all the time Chase is doing their customers a huge disservice by asking for this. This is NOT something anyone should ever do. I have a wallet full of cards and accounts I make payments to by ACH. NO ONE has ever asked this from me. The only other option is to have several deposits made in to my bank account. The only one that has ever asked that is PayPal.
<P/>
The bottom line is Chase is not making their system more secure. Its making it less secure and harder to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I tried to set up recurring payments with Chase bank and they do not offer different amounts online. called  Chase vis a and they confirmed it. only way is to pay each month separate. when asked if this was to force minimum payment to collect interest he agreed. this practice has to stop!

Company response to consumer: Closed with explanation