vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
Lakeview Loan Servicing bought my loan without my knowledge or consent from XXXX  and I've had nothing but trouble since. If I had known they were going to switch and especially that there were new terms such as fees for processing online payments, I would have applied for alternate financing!

There was some sort of an issue with the way XXXX paid my homeowner 's insurance so it was billed again and rather than checking anything, Lakeview paid it a second time. Now, they have double my annual insurance amount to cover it. I have been calling since XX/XX/XXXX when I saw that they were increasing my payments, but to no avail. I have spent numerous hours on the phone. I have sent numerous emails and they continue to ignore me. When I get them on the phone, they pretend they haven't talked to me before or have no notes and then, transfer me to non-existent lines, and I get a disconnect. I have had them talk directly to my insurance company, but they pretend to not understand! They can not be that ignorant! It is simple math!!!!

They are fully aware that the only payment to be made to my insurance company this year is {$56.00} total for the year, but they have raised my escrow amount by more than {$100.00} per month! I believe they did all of this because they know I have been struggling to make the payment. Now that I could have made the correct payment on time the last two months, I can not because I do not have the correct payment amount.

I am at a loss of what to do! This is an incredibly dishonest company!!!

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 2018-04-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good Evening. My name is XXXX XXXX. I have a problem with the way that my auto loan company is dealing with me. Im a victim of he Hurricane back in XXXX. I have been stuggling to pay my car note. However I do pay it between 20-29 days after the due date. Prior to making payments if I pay on the 28 day. They will report me 30 days late. Im not understanding why. I contacted them and they say its a 2 day processing. So that will turn the 28 days to 30 days. Leagally I payed my car note before 30 days and it shows in the system. Why do I have to be penalized for there system. Its not fair and through my hard time I feel so horrible and they are treating me worse. I feel like they are mocking me through my trouble times and it has caused me a Great XXXX. Once a payment is made thats what it should b. I tried dealing with them and each person I speak to treat and talk to me like Im nothing. I guess they dont have financial difficulties and pray they never do. Because I wouldnt want them to feel pain like me. However leagally if I pay my carnote before 30 days. They should not fault me because of there system processin time. Thankyou

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: KS

Complaint narrative:
On XX/XX/XXXX I looked at a property to rent to own in XXXX XXXX Missouri through a company called XXXX XXXX XXXX XXXX also XXXX XXXX. Their owner is XXXX XXXX. I entered into an agreement to purchase the home on XX/XX/XXXX with the deposit being a XXXX to XXXX money transfer since their office was a six hour drive. On the XX/XX/XXXX when I arrived in XXXX XXXX to take possession of my home the door was locked which all of XXXX XXXX XXXX are unlocked. I called them to ask how to get into the property and was told to " break into my home '' or " find a window open. '' I finally found a window that was open. When I opened the window the fumes of natural gas nearly made me sick so I called the Emergency number for XXXX XXXX XXXX who sent a technician out along with the fire department and police department. When the police officer got there she said I tried to buy this house you have been the latest victim huh! This house should be condemned but won't be because we don't have code enforcement. The fire department shut off the natural gas due to a pipe being stripped inside the house. XXXX XXXX XXXX said no utilities could be reconnected because someone had stripped the utilities out of the house. When I called back to XXXX XXXX XXXX they said well it is your house now fix the problems. They are not saying the house can't be fixed and you purchased the house as is. When I agreed to purchase the house the utilities were on or had recently been on so this problem is recent. They are refusing to refund my money or switch me to another one of the properties that they have for sale. I drove back to XXXX XXXX which is two hours from XXXX XXXX with two dogs and a cat to borrow from my mother for a hotel. I put in a complaint to the XXXX Store that the money transfer from, the bank card which is a XXXX XXXX XXXX XXXX, and the Attorney General of Missouri along with the Federal Trade commission. All of which said they have no recourse. The amount of purchase was for XXXX with a XXXX transfer fee. XXXX XXXX picked it up in a XXXX store outside of XXXX XXXX. XXXX XXXX the bank involved with XXXX said in the future XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX would not be able to wire money or transfer funds using XXXX stores but because the transaction had been initially approved by me that they had no recourse to get me my money back. I did approve the transaction until I knew that the house had been damaged by the squatters that had taken up residence in the house that I had looked at. The house while in poor condition at the time I looked at it was at least able to have utilities turned on. The value of the house at the time I looked at it was XXXX and the repairs are well over that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received my statement and noticed a late fee. I called the issuer Wells Fargo regarding the late fee on my account. I spoke both with costumer service and the costumer service supervisor. My minimum due monthly is {$410.00}. I have set up electronic payment to withdrawal from my personal bank to Wells Fargo weekly at {$100.00} per week. On my current statement there are XXXX payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling XXXX in payments. Wells Fargo sets a statement closing date and a week earlier due date. On that they claim my XX/XX/XXXX payment was posted after the due date of XX/XX/XXXX but before the statement closing date of XXXX and will count only as an extra payment on the account. What I find unfair practices is that they say my XX/XX/XXXX payment was posted after the previous XXXX XXXX was closed and before the new statement was created even though the payment is on the statement created on the XXXX of the month of XXXX. Which they also want to count as an extra payment. They claim only the amount of XXXX fall within the due date. If you create an invoice on a date and receive a payment on that same day my payment should count towards my balance due otherwise it would have fallen on the previous statement. I have a XXXX late fee I asked them to waive along with the same scenario that occurred on the XXXX statement also. Which they refused to issue a credit for also

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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I found out I had a judgement/lien placed on my home by XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the XXXX, XXXX, XXXX XXXX XXXX, XXXX. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX was purchased by Paypal Inc and assumed the debt. The original debt was {$3000.00}, evidently XXXX, XXXX, XXXX XXXX XXXX, XXXX. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of XXXX, XXXX, XXXX XXXX   XXXX, XXXX. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original XXXX XXXX dollars. They notified me the next day that their client Paypal counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX. I however got sick and was hospitalized and never was able to make the agreement. I called back in XXXX and explained the situation again, this time a representative of XXXX, XXXX, XXXX XXXX XXXX, XXXX. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent XXXX, XXXX, XXXX XXXX XXXX, XXXX. the documents on XX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XXXX they had an answer in ONE day to collect money. It is not XX/XX/XXXX and I do not understand why this is taking this amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I called XXXX  American Express friday XX/XX/2018 to  report charges on my card from XXXX that I didnt make. It was a total of 26 charges. XXXX told me to call back when the charges were no longer pending, well I did that on Monday XX/XX/2018 and the company asked me why I didnt call the police or did my husband make the charges. Basically I was told that I am not going to receive my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In 2009 we owned 5 parcels of land, we pay all taxes our selves. XXXX took it upon themselves to pay taxes on a parcel that was not a parcel with their mortgage. We sent them a letter explaining what they had done. We received a letter of apology from them. Also a letter from them they received a refund from our tax office, that they received a refund. We have called them repeatedly for years and they keep turning in late payments to credit bureaus. Also letters stating they will foreclose for non-payment. They are charging my scheduled house payment, ( XXXX dollars ) to XXXX dollars a month for nothing. We have always payed our land taxes and our home insurance. We have never been late on our payment. I have requested a mediator from them to fix this they only ignore my request! I do have all documents we have sent and received.

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 2018-04-25 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: Screening Reports Inc.
State: MN

Complaint narrative:
Rental Verifications XXXX XXXX Landlord Address Move In Rent Phone - Contact Move Out Owed XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} ( XXXX ) XXXX - XXXX XXXX, MN XXXX XX/XX/XXXX {$0.00} WOULD NOT RENT AGAIN - EVICT XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} ( XXXX ) XXXX - XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$4000.00} WOULD NOT RENT AGAIN - UNAUTHORIZED PET / NOISE COMPLAINT / POLICE CALL / UNAUTHORIZED TENANT / OTHER VIOLATION / EVICT Public Records ( XXXX ) XXXX XXXX These Were Expunged through Civil Court in XXXX XX/XX/XXXX it should not show an eviction nor balance for either rental property

Company response to consumer: Untimely response
Consumer complaint received 2018-04-25 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: TN

Complaint narrative:
I just received a copy of my credit report and I found 5 hard inquiries that are fraudulent, i immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and i need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, i just place a fraud alert on my credit 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 2018-04-25 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: TN

Complaint narrative:
XXXX and my divorce started in XXXX of 2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX  XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been arrested for harassment, tried having me XXXX XXXX/and or XXXX by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.

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 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have contacted the company by phone, takes to the supervisor and asked them to stop calling me, and told her the company is constantly calling me and I consider it harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar dba Mr Cooper is attempting to forclose on my home with a fradulant assignment that contains robo signers and fraud can not be the basis of obtaining a deed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Due to extended illness and hospitalization duringXX/XX/XXXX, I missed the payment. In XX/XX/XXXX, I contacted Citi to get back on track. I paid {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I was informed that my next payment was {$28.00}. 

I thought all was well until I logged on to Citi on XX/XX/XXXX to pay the XX/XX/XXXX payment, and found out the account was still behind and I owed more than {$28.00}. I was upset and called up. When I realized what was going on, I asked for the tapes that recorded those prior phone calls to be pulled because I said I was given misinformation. I was told someone would call me within 48 hours. I did not receive a call. I called Citi again and was told that they tried to call me twice but I did not answer. I did not have any calls on my Caller ID from either Sears or Citi. 

On XX/XX/XXXX, my payment is due and so far I am still in limbo with this account, so I called Citi. It was over an hour of my time going from one department to another with more excuses. Finally, the collection 's department said I did get misinformation, however, they can not change the account. I was transferred to customer service so they could " honor the adjustment '' and they did : nothing.

I was told to pay {$28.00} today and some vague talk about someone from Citi will call to straighten out the account. I was not told when. So I am still behind with all then extra late fees being added to my account. 

This is like a hole that you fall in that you can never recover. I missed just one {$37.00} payment and it is this mess. Talking to Citi is even more frustrating ; nothing gets fixed. It seems intentional and this practice has to be stopped. 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 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I was divorced in 2013, husband has house and XXXX  taken my name off the deed, but not off the mortgage with BB & T. He is telling me they say I need to sign a Quit Deed in order for him to remortgage. 
If my name is already off the deed, I dont see how this is necesary. I have sent them copy of divorce papers and called several times.Getting nowhere.

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 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXXI was forced insurance when I was covered by my own XXXX XXXX. I was given years of fees, aprox. {$2000.00} and insurance aprox. {$3000.00}. that was added to my auto loan. Not knowing they were being under investigation in XX/XX/XXXX-XX/XX/XXXX for insurance fraud and fees. I was trying to do the right thing by trying to resolve my insurance problem, during this period i provided them with my auto insurance information to the Presidents Office by faxing it numerous times in XX/XX/XXXX. What I did not get, that I did not hear from them and I was still trying to reach out to them with no call backs. Until XX/XX/XXXX i was mailed a letter which they charged of my account, I suppose they did not want me to be aware of the scandal they were having. It is time they take responsibility for their actions and all the stress they caused me.

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