vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I am writing to petition that the corporate advances be revised in accordance of state and federal law. BB & T wants {$8100.00} in attorney fees, whereas the law allows a maximum d {$3600.00}. 

The fees may not exceed " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. That fee is maximum {$3600.00}. I have attached all governing legal references and filed an invitation with the Federal Bureau of Consumer Protection. 

The corporate advances exceed federally and state approved " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. 

I have confirmed this with HUD, as well with the State and Federal Bureau of Consumer Protection ( Federal Trade Commission ). I have attached 24 CFR 203.552 Federal HUD law for FHA backed mortages which mine is ) ACCEPTABLE FEES AND CHARGES - GENERAL ( 24 CFR 203.552 ). HUD regulations specify that the mortgagee may collect " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. The Department considers the FNMA fee schedules to be reasonable and customary. 

BB & T and XXXX XXXX is violation of HUD regulations by attempting to collecting a fee ( regardless of when the fee is actually collected ) for : 1. a service which in not specifically authorized in Paragraph 4-1C ; or 2.a service not authorized in advance by one of the fee regulators above. 3.charging a fee that does not comply with the rule stated in Paragraph 4-1A. 

I will wait to hear from you, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a report onXX/XX/XXXX regarding my mortgage, a breach of contract fromXX/XX/XXXX which caused me to not only become behind after the bank voided the contract unilaterally 2 payments in and after telling me to miss XX/XX/XXXXs payment. The company responded on XX/XX/XXXX to CFPB and I rebutted their lies on XX/XX/XXXX. Less than two weeks later, my loan was sent to foreclosure! I spoke with Mr. XXXX at Wells Fargo on XX/XX/XXXX and was told that he would get together with Ms. XXXX ( home preservation ) to do a manual workout plan so that I could finish school ( summer is my internship ) and pay off my car ( XX/XX/XXXX ). That was a lie and never came to fruition. OnXX/XX/XXXX, I made my scheduled payment but it does not show up ( making it appear that Im further behind ). On XX/XX/XXXX, I spoke extensively with Mr. XXXX however he made no apologies for his lies and stated that I was placed into foreclosure because I was 120 days behind ( behind from XX/XX/XXXX ). I was 156 days behind in XX/XX/XXXX but made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and foreclosure was not sought. This is plain and simple retaliatory behavior by a scandalous bank. My initial complaints were XXXX and 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 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have been trying to work with this company to repay my debt. I attempted to stop the XXXX withdrawal from my account this Friday ( XXXX ). My response was : I am sorry for any inconvenience, once a payment arrangement is scheduled, it is unable to be changed or canceled for any reason. The payments will have to be debited from your account as previously agreed. 

Since, I have reviewed the ACH section of the loan contract, and it does not provide instructions for stopping an ACH withdrawal, which now has me questioning the validity of this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
When I bought airline tickets on the XXXX XXXX website they offered me an XXXX XXXX AAdvantage Platinum  Select Citi Master Card with an offer of a {$200.00} credit and 40,000 miles after purchasing {$2000.00} in 3 months. The initial purchase date was XX/XX/2019 for {$260.00}. Citi Cards is not honoring the credit or the miles because I have the XXXX XXXX   XXXX card, which is apparently a Citi card as well. Citi says it was in the details, bot still approved me and left me expecting the credit and miles. 

This is a bait and switch and is unethical.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I canceled my service with The XXXX XXXX XXXX   canceling their authorization to retrieve funds from my credit card account because I was led to believe that I had to keep their XXXX  services to obtain the credit card. Following the cancelation, I never paid any of the monthly charges because I added a block. I filed a dispute XXXX for {$2900.00} with American Express because The XXXX was non-responsive. It was credited back to my balance. On XX/XX/2019, American Express rebilled me the {$2900.00} and charged me XXXX the first monthly installment on XXXX after I made them aware and forwarded them a copy of the cancelation request I sent the merchant. 

At the time of this purchase, I made the sales lady aware that I was suffering from severe XXXX and my husband suffers residuals from a XXXX. I felt like we were taken advantage of and ignored when I expressed buyers remorse. At the time of the purchase I was being treated for severe XXXX and they completely disregarded my attempts to cancel prior to the letter I faxed. 

Now, American Express feels it's their duty to make me abide by the contract that I canceled with The XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: ALLIANT CREDIT UNION
State: LA

Complaint narrative:
I sent this letter to Alliant Credit Union on XX/XX/XXXX, I have since emailed the XXXX and the XXXX XXXX XXXX XXXX  and have yet to receive a response. 

On XX/XX/XXXX I deposited an insurance check into the account reference above. Before depositing the check, I spoke to the mortgage company and I was assured as long as the amount was less than {$20000.00} there would no need for an additional endorsement. On XX/XX/XXXX the check was returned due to the lack of the Endorsement that I was told was not necessary. Once I realized the check had in fact been returned, which resulted in a negative balance in our account, I immediately contacted the Alliant Customer Service department and explained the situation to ensure they were aware of the issue at hand. In speaking with the representative, I communicated to her that I would be sending the check via XXXX to the mortgage company to ensure the fastest possible response time, after speaking with the mortgage company I was told I should expect to receive the endorsed check with 10-14 business days. This would be late XXXX or early XXXX. I received the endorsed check on XX/XX/XXXX. Upon receiving the check, I in turned sent a check via US Mail, made payable to Alliant Credit Union in the amount of {$4500.00} which would resolve our account balance and bring it current. My family and I were out of town for the majority of XXXX. Upon returning home on XX/XX/XXXX, at this point I was under the impression the check had been received, since I had not received any correspondence via phone nor mail notifying me otherwise. On XXXX XXXX both my wife and I received an alert from our credit monitoring service that a collection account from Alliant Credit Union had been placed on both my wife and Is credit file with a balance of {$4500.00}, which resulted in not only a negative account on our credit file, but also caused an 80+ drop in our credit score. On XX/XX/XXXX I contacted Alliant and spoke to both XXXX and XXXX in the Loss Prevention Department. After explaining the situation to both ladies, I proceeded to a make payment via my debit card for the entire balance. Our intentions were always to resolve this account, and upon being made aware that the check that was sent on XX/XX/XXXX was never received I immediately called and resolved the balance owed. 
The purpose of this letter is to request to have this account completely removed from both XXXX and Is credit file immediately. It is my understanding the account was Closed on XX/XX/XXXX, it appeared on our credit file on XX/XX/XXXX and was resolved in full on XX/XX/XXXX. 
I would appreciate your expedited attention in having this matter resolved, since time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX XXXX  XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good afternoon, I was charged a late fee of {$27.00} on XXXX. As soon as I noticed this I began researching why the bank did not receive my payment. I sent the payment through my credit union 's online bill payment service. However, BBVA Compass was not set up with my credit union for electronic payments, so they mailed a check. I inadvertently typed the P.O. Box incorrectly in the bill payment service. So BBVA Compass never received my payment, though it was mailed well in advance. As a result, I requested a refund of the late fee from BBVA Compass and they refused. I have always paid this account on time. I paid the late payment and the next month 's payment yesterday. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 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: NY

Complaint narrative:
Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX/XXXX  on XX/XX/XXXX and XXXX/XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On Equifax It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling Experian countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On XXXX It Is Saying I applied For XXXXl XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX Bank XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.

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 2019-04-02 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZARVAD III S.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX The following number has called me on XX/XX/19 and XX/XX/19. They have also called my brother and sister leaving voicemails for me with personal information after I have told them I should be the only person contacted. They also havent provided anything in writing for me to confirm this debt or even who they are. XXXX is the woman that keeps leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Bueno Title and Escrow
State: NM

Complaint narrative:
The Survey Affidavit is a sworn legal document signed by the Seller that no changes have been made to the property since the prior survey was completed. The home at the above stated address was constructed in XXXX. Utilizing a survey dated XXXX and several aerials taken in subsequent years, we were able to estimate that in approximately XXXX, an approximately 10 x 10 detached workshop was built by the owners of the home at the time. NOTE : Bueno Title & Escrow submitted the Survey Affidavit to the wrong party in this real estate transaction. XXXX XXXX had the Buyers signed the Survey Affidavit and not the Seller. An erroneous mistaken. You can not have the Seller and the Buyer be the same individuals in a real estate transaction for a mortgage. This does not meet the requirement by my lender XXXX XXXX XXXX XXXX as improvements were made to the property. Bueno Title should have requested a new Survey. There is no date on the Survey Affidavit that makes reference to the attached surveys date. We ( the Buyers ), was unaware that XXXX was presenting a five-year-old survey map that did not reflect the permanent improvements that was made by the Seller after XXXX to the property. Bueno title failed to verify the information given by the seller ( XXXX XXXX ) and the seller ' s agent, XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX did not perform an on-site visit. A workshop was constructed ( see MLS ' photos ) which did alter the property dimension as it relates to the easement requirements and other requirements. The workshop must comply with setback and easement requirements, and, must be constructed in a manner that will not jeopardize life safety and the protection of property, per the XXXX XXXX XXXX XXXX and XXXX XXXX. After we began our remodeling project, Building Inspector, Mr. XXXX XXXX, stated that the workshop was not in compliance with setback and easement requirements, and was not constructed according to industry accepted standards. A verbal stop work order on the workshop until a variance was obtained. Bueno Title is negligent as well the Sellers agent for not disclosing and providing misleading information during the closing process. We alerted XXXX XXXX XXXX XXXX regarding the false and inaccurate Survey Affidavit to open an investigate into this matter. 
Our agent, XXXX XXXX ( XXXX  XXXX XXXX ) was advised of the situation and she admitted that her and XXXX were at the property that this clearly omission and error. Negligence of the title company failure to disclose lien against the property and I have that information. It was public records in the office of the clerk XXXX XXXX XXXX in the State of New Mexico on XX/XX/XXXX as the instrument number XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My mom wanted to refinance her home equity loan and credit card debt. We contacted Citizens Bank because that is where she had the equity loan. We answered a bunch of questions that loan officer, XXXX XXXX, asked and we were assured we would be approved. I submitted all the documents requested. We paid XXXX dollars for a home appraisal, I got a hard credit check, and my mom opened up a new bank account and has her social security transfered there to pay the mortgage. He told us we would get a small percentage off if we did that. The communication after that was nonexistent. No response and then a denial letter. I called to ask why my and my mothers income was supposed to be more than enough. Our credit is excellent and there was just no explanation other than the letter saying our income wasnt enough. I finally got XXXX XXXX on the phone and he said he would look into it and call back. He never did. I believe he was negligent in this case on every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Recoveries, Inc.
State: MI

Complaint narrative:
I have tried several times to reach someone at this business. Today was the third time I've called and been hung up on. On XX/XX/2019, I was hung up on after a 7 minute wait. Today, XX/XX/2019, after a 12 minute hold, I was hung up on. On XX/XX/2019, I tried to call and get service. XXXX hung up on me at XXXX. She told me to call XXXX. I did. After a 30 minute wait, I was hung up on. On XX/XX/2019, after a 30 minute wait, XXXX hung up on me. Last week, I called and I got a name, XXXX XXXX, ext XXXX, so I could specifically ask for her. But when I ask, I get hung up on. I tried to call and confirm that they received my paperwork. This is absolutely ridiculous. It's like a second job trying to get this resolved with this company. 11 min 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