vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One- XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major operation, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STIFEL FINANCIAL CORP.
State: MO

Complaint narrative:
In order to dismiss an adult abuse case against my husband after filing for divorce my husband agreed to purchase a home for me as long as I would use his lender at Stifel Bank, XXXX XXXX. I found a home at the end of XX/XX/2018 and called Mr. XXXX who my husband and I have done MULTIPLE real estate transactions with in the past and asked if there was anything he needed from me to speed things up because I had to be out of my home by XX/XX/XXXX. He for the FIRST time made the comment that my husband 's credit score was great because he makes so much money, but he would have to run my score. I thought this was strange since I had just filed for divorce XX/XX/XXXX. Knowing that XXXX XXXX and my husband had been hunting buddies for years I was concerned he may not be ethical so I had a back up lender run my credit report and my husbands. My credit score was above average but my husbands was FROZEN. When I asked XXXX when the last time was that he ran my husband 's credit score he LIED and told me he couldn't remember. I repeated the question and he said it had been a couple of years at least. Then I asked what happens if your credit score is ran to often and he got defensive and said, " I don't know, why are you asking? ". I told him it was my understanding that it can freeze your credit and that XXXX 's credit was frozen. And I had in my hand a paper that said Stifel Bank on XXXX where XXXX works ran his credit on XX/XX/2018. How could he not remember just a few weeks ago running his credit? He then yelled at me and told me it was none of my XXXX business and to go get a loan somewhere else. Not only is this unethical, discriminatory, rude, poor service, etc. It's unbelievable that a top professional who represents Stifel Bank would behave in such a manner. What an embarrassment on behalf of the establishment. 
It's clear that he was hoping to tell me that my credit was bad and I would not be eligible for a loan, thus my estranged husband would not have to buy me a home. Luckily, I had gone to a backup lender.

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 2018-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Our mortgage is through XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, d/b/a/ XXXX XXXX as Trustee and our servicer is Fay Servicing. We had a loss of income hardship so I applied for a modification. On the application we had checked the box that said we wanted to keep the home. They gave us options were we would have to give up the house so we turned the offerings down. They started the foreclosure process because we could not make the payments. In the meantime, I had become XXXX and was waiting on the back pay to bring our mortgage current. I kept applying for modifications and we kept getting the offerings where we would have to move. I had checked into government plans and we did not qualify for any of them. I also applied for HEMAP and we could not do that because we could not afford to start paying immediately. Finally one modification they offered a lower interest rate and added the balance of the money we owed on the back of the loan but it was to be paid all at once. We could not afford that last end payment so we applied for another modification looking for something we could afford. It turns out that we did not understand that we would be able to refinance through another lender when that large payment came due. I contacted them to see if we could accept that offering since we did not understand it and they told us no. Since we rejected it, they could not offer it again because the rejection meant that we could not afford it. I applied over and over and kept getting offers where we would not be able to keep the home. My back pay from XXXX finally came in and we were able to bring the loan current. However, even with XXXX payments, it is still a hardship for us to make the loan payments. I applied again and they sent me a letter saying that we were not eligible for any alternative to foreclosure and do not quality for any available loss mitigation options. It just indicated that we would have to reinstate the account which had already been done. I am just asking for a lower interest rate now that we are paid up and they don't seem to want to help. Also, they are sending statements with " fee charges '' but no where does it say what it is for. It just throws a dollar amount in there. Our escrow amount keeps going up also even though our taxes have barely changed. I called the tax assessor to confirm and which she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
To Whom This May Concern ; XX/XX/XXXX I am confused on the situation all this information this company and attorneys have documented is false, accept that we have not made a payment to Planet Home Lending, the company that bought the mortgage illegally, since XX/XX/XXXX since nothing that has happened is legitimate. We were not up to date on our payments in XXXX through XXXX, due to XXXX not accepting payments at that time. XXXX did, however, accept one last payment in XX/XX/XXXX. The payments sent before this monthly were refunded and refused, so when this mortgage was sold under false pretenses. I am sending along all the documents and the new ones from the present attorney trying to foreclose on our house, when none of the actions and activities leading to this has been within the law how can this happen. I have asked for answers from this company with no received none. I have more paper work I would like to send for more info, but I could fax it would be quicker. I have the current documents from Planet home lending 's current attorney and it is not correct. 
Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday XX/XX/XXXX I received a letter from Wells Fargo stating that their had sold my mortgage servicing to, XXXX XXXX XXXX ( aka XXXX  ). XXXX reviews on XXXX XXXX read as a horror story. Of the 566 reviews 500 seem to be negative. Lost payments, uncredited payments, foreclosures, using your social security number as a password, lost paperwork and very poor customer service practices. It seems they are using the same tacts Wells Fargo used doing the housing melt down. Things the state of California objected to. Things they used on me when I was trying to get my HAMP approved back in XXXX through XXXX. It was a fight I do not want to repeat. 

I dont know if Wells Fargo, who was recently in the news for foreclosing on some 450 homeowners illegally, has possibly used XXXX in those instances. 

Please look into XXXX for me. It will give me peace of mind to know that California is once again watch the backs of its citizens.

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 2018-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
XXXX, ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX XXXX bought our Heloc debt from XXXX as part of the XXXX agreement, and were obliged to make efforts for a fair modification of the debt, in XX/XX/XXXX. XXXX XXXX was mandated under this XXXX agreement to modify homeowner debt, as part of forgiveness of their penalty owed to U.S. taxpayers for their crimes during the housing crisis. 

Instead, in our case, they committed modification fraud, they tried to hold us accountable for an completely false amount, they filed foreclosure ( lis penance ) in the midst of " modifying '', and they would not do a proper appraisal. 

They were just going through the motions of " modifying '', and then quickly sold the the debt to another bank XXXX XXXX, and a new service XXXX XXXX in XX/XX/XXXX. 

But now, XXXX has filed foreclosure, and judgement for sale on our home, based on false debt and in violation of the the XXXX agreement, and they do not even have standing to foreclose or sell, as they advised us that they sold the loan, and servicing in XX/XX/XXXX, yet  they files a motion to sell our home in XX/XX/XXXX. 

It is pure harassment, fraudulent modification, false reporting to credit bureau, and more legal bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to 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 2018-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
Mariner Finance LLC sold my auto loan to another lender in XX/XX/2018. It is now XX/XX/2018 and I still have not been notified that my loan was sold or who it was  sold to. I learned about it being sold by my credit report. They are still holding a lien on the vehicle as well.

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 2018-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
Ocwen has taken a toatle amount of XXXX $ from my bank account. This is a student subsidized loan their taking from me. I do not own a house. I have no idea who this company is and why they are taking my money. I really want my money back! This is a crime. It sais in fine print that i do not have to pay a student subsidized loan back untill 6 months after i graduate. So their is no reason this company, OCWEN should be taking my money! They are stealing from me. I am XXXX i am now completely broke because this company has drained my bank acct!!! I cant afford to buy food for myself or pay my bills because of ocwen! And i cant seem to figure out how i get my money back from them. I have a lawyer thats looking into it! But i just dont feel its enough. I dont want to pay a lawyer all the money that ocwen took from me just to get it back?. I have no relations to this company whatsoever! So they shouldnt have my card information!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I originally applied for a loan modification months ago. I was given unemployment forebearnce program. I then applied for a loan modification when my unemployment ended. I have been being declined 4 times. 

They keep saying that my new payment is going to be higher than my modified payment. I have appealed this because they are NOT taking into consideration that I am LOSING money from my trucking business and they need to take both jobs under consideration. First my XXXX income and then SUBTRACT my losses from my trucking income. 

Why issue a unemployment program forebearnce program and then NOT help someone get modified and put them MONTHS in arrears. I need my loan modified. 

I do not want to lose my house to foreclosure. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
The only way I could get to this step was to simply choose I got a loan but in reality, I did not. I would like to file a SECOND complaint of this company called OPPORTUN THAT KEEPS SENDING ME XXXX. I DO NOT WANT A LOAN THROUGH THEM OR ANYBODY. I HAVE NEVER APPLIED FOR A LOAN WITH THEM OR GIVEN THEM PERMISSION TO SEND ME XXXX OFFERS. I GOT A LETTER THE OTHER DAY STATING I WAS PRE APPROVED FOR A LOAN WHEN I SPECIFICALLY GOT A LETTER FROM THE HEAD OF THE COMPANY SAYING THAT MY ADDRESS WOULD BE REMOVED FROM THEIR SYSTEM. IT HAS BEEN WELL OVER THEIR 40 DAYS TO REMOVE ME & THEY CONTINUE TO SEND ME XXXX. I SERIOUSLY WANT TO SUE THEM FOR HARASSING ME WITH THEIR PRODUCTS. PLEASE STOP SENDING XXXX!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diaz & Associates, Inc.
State: WI

Complaint narrative:
I never received written notice or phone calls regarding the debt. My employer was contacted and they sent me an email stating that the company advised if I didnt get in contact with them they would send a summons to my employer for court proceedings. I received a call and an email in XX/XX/XXXX from my HR department

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Back in XXXX i got a called from a debt collector, the call that i owe about {$100.00} to a cash store i borrowed money from. Which i was very aware. So when they called me i got put on a payment plan because i want it to pay them off right away because i didnt want this on my credit because i had been fixing my credit. Well i made my first payment in XXXX, in XXXX i made my second payment, and right before my last payment was going to be made, BOOM it was reported to my credit as a collections, which i didnt know why it was being reported if I was put on a payment plan? I did not understand why, so i immediately called and the very next day i made my payment, but before i made this payment i told the man i needed a letter stating this was going to be off my credit. So he send me the letter, but little did i know he just send me a letter where stating this account was paid in full not that it was going to be deleted which i did not know the difference. So they got their money, and now this is still on my credit and they wont removed it. Ive spoken to the company and they refused to remove this from my credit. They wont give me a reason why, despiste i got told it would be deleted. I need this to be removed since Im trying to buy a house. The company is national credit adjusters. This company just cares to get their money and not help their customers out.. i need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I contacted a health care provider on XX/XX/XXXX to inquire about a debt that was passed to a Sa-Vit collection agency. The account was for a procedure for my daughter as required by the State of NJ. The amount in question is {$320.00} for a date of service of XX/XX/XXXX. The health care provider provided my information about the alleged debt and a claim number in which I contacted my health care insurance company to verify if a claim was submitted in XX/XX/XXXX. 

After speaking with my health care insurance company on XX/XX/XXXX, I was told that the health care provider billed did submit a claim but the procedure was billed under my name and not my daughters name and that was the reason why it was denied by my health insurance company. After speaking with my health insurance company on XX/XX/XXXX, they fix the problem and transferred the claim to my daughters name which is should have been billed of in the beginning and gave me a claim number in support there of. 

I called the collection agency Sa-Vit and spoke with a representative who I explained that the health care provider billed the procedure under my name and not my daughters and that's why it was denied and that my health insurance carrier transferred the claim to my daughter after finding out about the error. I was then transferred to the company 's compliance officer XXXX XXXX and explained the situation to him. Mr. XXXX became verbally abusive to me and then started speaking to me in XXXX unexpectedly. When I spoke back to him in XXXX and surprised him he refused to talk further and hung the phone on me. 

Mr. XXXX is very unprofessional and thinking he bully consumers especially by speaking in another language in which to insult someone.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This is a complaint for the American Xpress XXXX card. Last night on XX/XX/18 I tired accessing the mobile app and web website to check my balance. Nothing would load on either one, so I called customer service. They said the systems were down and to call back in 1-2 hours. I waited until this morning XX/XX/18 and again both systems are down. I should have my direct deposit form work today and I cant access any of the funds to pay my bills or get groceries. When I called customer service back, they again said systems are down and it would be 1-2 hours and to try then. I advised them that what they told me last night. The woman form customer service said sorry there isn't anything she can do. So here it is, 5 more hours later and still no access to see my funds, or most importantly to use my funds to pay bills and eat. This is completely unacceptable and you would never hear about an issue like this on the " regular '' credit card side of things. Where is the business continuity plan for the XXXX side of Amex? This is costing me and many others a ton of inconvenience, frustration, and again most importantly money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Serve, system has been down for over 24 hours, no access to website, app and/or customer service. No idea if Direct deposit went in since I have no access to my account and the card does not work.

It is outrageous that this company is holding customers money hostage without access to our hard earned money.

Company response to consumer: Closed with explanation