vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I received ached from my insurance company to pay for hail damage on my house. I went to the Compass Bankin XXXX XXXX to process their endorsement of the check and then for Compass Bank to mail the check to XXXX to get their endorsement. Instead BBVA Compass endorsed the check and placed the  money into my helot account. Once Compass figured out what they did wrong the bank reversed the deposit of the money out of my account as insufficient funds. Now Compass claims they are sending a check overnight to my XXXX branch but nothing showed up. 
Here we are 5 weeks later, I am afraid my contractor is going to lien my property and Compass Bank is going to foreclose because it looks like I bounced a check. XXXX still wants the check for their escrow amount. 

In all this Compass Corporate does not think this is a big deal. 

I do want to let you know that the people at the XXXX XXXX Branch of BBVA Compass have tried hard to help me but the higher management is trying to cover the fact that they erred in not getting XXXX endorsement. 

Compass Bnk employees XXXX XXXX and XXXX XXXX are responsible for the accuracy of the non sufficient funds internal ticket number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Back in XX/XX/XXXX had two student loans that I consolidated ; with the total of the two loans being about XXXX. Unfortunately, being a single mother at the time, stopped receiving child support and had to stop going to school, to get a second job. As a result my loans went into default ; for a several years. Some years later started paying on the consolidated loan again, with a program to get out of default and this was accomplished. However in XX/XX/XXXX, while still paying on the loan, started receiving letters that I was in default, causing my federal income taxes to be with-held. When contacting the loan carriers was told continuously that there was another loan and for the next eight years could not get the issue resolved. To add to my chagrin, wages were garnish, still could not go back to school, was fired from jobs due to phone calls, and denied good jobs in my field because of my credit score. No one would help me take care of this problem. Finally when making my usual every two month call asking for help, an agent went off script and informed me that my loan may have been doubled. He then gave me additional information on how to get the issue resolved and in XX/XX/XXXX they applied back all the money that the IRA held and garnished wages, The loan although was taken care of partly, totally ruined my career. I am now XXXX XXXX XXXX and make XXXX an hour. I truly feel that this loan did not serve the purpose that it was intended to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
MY COMPLAINT IS ACTUALLY 2 COMPLAINTS ... ... ..1ST IS BOUT ALL 3 MAJOR CREDIT BUREAUS ... BECAUSE THERE IS CREDIT FREEZE ON MY REPORTS IT IS MAKING A PROBLEM WITH OPENING ANY NEW BANK ACCOUNT FOR ME ... ..BANKS TELL ME THERE IS FREEZE ON MY SOCIAL SECURITY NUMBER BY XXXX XXXX THAT IS DUE TO FREEZE ON MY CREDIT REPORTS ... .SOUNDS QUEER BUT IS TRUE!!! OTHER COMPLAINT IS BOUT EXPERIAN I COMPLAIN IN PAST BOUT IT BUT THEY ARE STILL REPORTING 1 OLD ACCOUNT AS BEING CLOSED IN XXXX 2017 BUT XXXX IS REPORTING IT AS STILL OPEN AND I CAN ASSURE YOU THAT ACCOUNT IS STILL OPEN AND I PAYING ON IT ... ... .ACCOUNT IS XXXX XXXX XXXX ... ..I CA N'T UPLOAD ANYTHING SO WAIT FOR IT BY POST I WILL MAIL IT TOMORROW OK

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 2017-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: ME

Complaint narrative:
I took out a payday loan with this company ( which I realize was a bad choice but I was desperate at the time ... I went back to look at my payment history to try and figure out when this " loan '' would be paid off and I learned that I had made 6 payments of {$XXXX} each and my principle loan amount had only gone down by a few dollars! I can not afford to keep paying this loan and learned that these types of loans are not legal in my state and I had already paid back what I borrowed plus interest. I asked them to stop debating my account and reported to them that they are not licensed to lend in my state and they attempted to offer me a settlement. This loan is bankrupting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I initially submitted a request to have my PMI removed on my Mortgage to LoanCare LLC, the servicer on my mortgage. At that time I had just paid my mortgage down to a better than 80 % LTV. I was told that at that amount that it is permissible to have the PMI removed following an analysis of the factors. I have never missed a payment and I have been paying on my mortgage for more than 5 years.
The company claimed they never received this request when I called 2 weeks later, so at that time, I submitted a second request via email on XX/XX/XXXX. This they received as I received back an email response that they would respond to my request within 5 business days. I did not receive a response. Over the next month and a half, I called customer service repeatedly and sent additional emails. Only after I submitted a complaint the CFPB in mid-XX/XX/XXXX, did I finally receive a response from the company. Their response letter to me was dated XX/XX/XXXX. I received it in early XX/XX/XXXX. That means that their response time was almost 2 full months after the definitively received response from XX/XX/XXXX. The letter stated that they would not remove my PMI until I paid my loan to a better than 78 % LTV. I did so immediately and submitted a new request that they remove the PMI from my account on XX/XX/XXXX. The email response to my XX/XX/XXXX email said that they would respond withing 5 business days.
It is now XX/XX/XXXX, and I still have no resolution on this issue. They continue to charge me for PMI. All of these delays make it seem like they are unwilling to stop charging me for the PMI. They are charging me for something that they are no longer legally allowed to charge me for ( according to their own letter to me and the FHA guidance I could find online for loans made in XX/XX/XXXX ) and the previous delays while they investigated removing the PMI seem like they were engineering to incur additional PMI charges. I indicated in at least one of my early emails requesting removal that I would pay to where needed immediately once I had confirmation of that amount, but they continue to drag their feet.
I tried calling the company on Monday, XX/XX/XXXX. They were not even taking calls. You were allowed to leave a number for call back at their convenience ( after you spend 10 minutes going through the call-in process ). They called back while I was at work and unable to respond. So, there is absolutely no avenue for me to try to get resolution on this issue. When I send emails, they just give me a canned response. I ca n't speak to a customer service representative because they call back when it is convenience for them, not for when one is available.

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 2017-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I 'm writting a complaint againts Bank of America N.A. for foreclosing on my house for 5 years at XXXX XXXX XXXX XXXX. XXXX, Wa XXXX. I XXXX XXXX and XXXX XXXX purchased the house in XX/XX/XXXX. It was our home we both paid bills until XXXX XXXX got sick and laid off I was still paying all the bills. XXXX XXXX gifted the house in XX/XX/XXXXand did a quick deed of trust.When she left me in XX/XX/XXXX I was still paying the bills. She even wrote a letter and we got it nortarized. When she gifted me the house, she told me there was only XXXX XXXXeft owed to the bank. I was going to sale the house. Me and my realtor called the bank to see how much is owed on the house the full amount they keep telling me XXXX and I do n't have authorization. So me and my realtor priced the house for XXXX. We had a buyer but when we found out that it was more than 82,000 and I would n't be getting anything back for me and my family. So me and my baby mama tried to modify the house with an housing authority agent we gave them both our information. My baby mama just got a good job they told us everything looks good and it should go through but the bank stopped the process because we were n't on the loan. When I spoke to XXXX XXXX she told me she talked to the bank and signed an authorization form and I have authorize to the account of the house it was hard for me to get a hold of XXXX XXXX because my baby mama and her do n't get along at all so when I Spokane to XXXX XXXX again the bank called her about the modification that 's when she modified the house and it went through but my baby mama disagreed with it because XXXX XXXX  does n't live here we do, so she did n't help me pay any of the bills. After the modification the house went back into foreclosure. I was trying everything I can to save my home for me and my family. The bank still foreclosed on the house without solving the problem. The propriety is in my name and the account is XXXX XXXX name how can the bank foreclose on the house without consulting me I 'm on the deed of trust. I 'm suing the bank for almost giving me a XXXX, in and out of the hospital, XXXX, XXXX, and causing my family leaving. I ' m on SSA and been sick for awhile but I 'm trying to get better to go back to work to support my family. All I 'm asking for is help me buy another house or grant me a house otherwords gifted or grant me the money I was going to sale the house for XXXX, owed to the bank is XXXX that leaves XXXX that should of been my money for me and my family to get a new place. We are staying with my sister and her big family but we need our own space. Everything that 's been said and written that 's the honest truth and I can prove it in court. I ca n't afford a lawyer if they can grant me a good lawyer to represent my case.

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 2017-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to get a modifaction and been turn down about four time I have Reach out to keep, your home califorina, and was told that I was approve with them and my lender Wells Fargo choose to opt Out But there goal should have been to take the rears On What was owe they so they I could have been making my payments back on the loan that happen in 2015 and I have done all I can do to deep my home I have A total of seven Members in my household and my credit is ruin and Wont be able to Rent anywhere with those Scores I have Enough Imcome to support My Mortage I lost XXXX XXXX Right after I purchase To House But restore The imcome in less then six months Please Reach out To Me with Some Help.

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 2017-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
Easy Money made an arrangement with me for repaying loan. I made 2 payment one for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and Easy money said if I made a payment every Friday on payday I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment Friday. They said I promised to pay the entire amount by Friday which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared.
XXXX 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 2017-10-04 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: TX

Complaint narrative:
" XXXX is the only official site explicitly directed by Federal law... '' XXXX XXXX XXXX sent me a FALSE ( if not fraudulent ) copy of my Equifax Credit Report today XXXX XXXX, 2017.
According to the representation of XXXX, my Equifax Credit Report says my Debt-to-Credit Ratio on my mortgage is 89 %.
I contacted Equifax. Equifax. The agent states that they do not have such a ratio figure in their system, that they do not have information on my " credit limit '' on my mortgage, and therefore they CAN NOT and COULD NOT report such a Ratio to XXXX. ( My mortgager says the ratio is 21.5 % ) Equifax has sent me an official Credit Report to prove to my satisfaction that such a figure was not and COULD NOT be computed from the data they provided to XXXX.
Because I was sent a credit report under Equifax 's letterhead, I have to believe that XXXX data may be fraudulently representing Equifax data.
( FYI- it took 49 minutes to reach an Equifax agent by phone )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: M&T BANK CORPORATION
State: NV

Complaint narrative:
I have a mortgage with M & T Bank, which was modified by a HAMP in XX/XX/XXXX. My mortgage account is reported as past due 30 days for XX/XX/XXXX ; past due 60 days for XX/XX/XXXX ; and past due 120 days for XX/XX/XXXX &  XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. In fact, I was in a HAMP Trial Payment Plan during this period, made every payment as agreed and have never missed a payment since. 

Despite assurances from XXXX XXXX, which processed the HAMP modification for M & T, that I would not be reported as late, M & T continues to report all these HAMP trial plan payments as " late ''. I have filed disputes with the three major credit reporting bureaus, which refuse to correct the reporting because M & T refuses to change its position. 

In accordance with XXXX XXXX guidelines, the loan should be reported as paid as modified. See, page 5 of XXXX XXXX Publication 800 for servicer instructions re : credit reporting of modified loans which states that HAMP modified loans should be reported as being paid as current, but on a modified payment if payments are made by the XXXX day of each month.

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 2017-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
This is the second complaint that I 'm filing about ECSI, the loan service provider for my Perkins Loans. I have to reapply every 6 months for financial hardship/forbearance, since my student loan debt burden is in excess of {$300000.00}. My Stafford loans are under an income based repayment plan, with a fixed amount due each month. The Perkins loans, however, have to be dealt with separately. Every 6 months I resubmit my financial information, asking for a forbearance or partial forbearance. Every time they email back, telling me that I missed something, knowing full well that I included everything they needed. Then, I have to resubmit all of my paperwork, and usually have to spend several minutes on the phone following up with the paperwork every week, until finally I get it approved. As usual, I recently mailed all of my paperwork for a partial forbearance request, and received an email stating ( erroneously ) that they did n't receive all of the paperwork. Recently, I obtained someone 's email address, who told me to scan my documents and email them to him, and he would process my forbearance request immediately. I also did this, and have n't heard anything back. 
I have done everything that I can to apply for a partial forbearance, using both mail and email as well as addressing it to a specific person who told me that he would help me. All of these efforts have resulted in nothing, and all that I want is my partial forbearance request to be applied. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am an employee of XXXX XXXX University, which has contracted with XXXX XXXX ( a XXXX XXXX affiliate ) to administer its Health Savings Plans. At their direction I opened an XXXX account in late XXXX in order for XXXX XXXX to receive my payroll deduction and contribute its matching funds. That worked without incident until XXXX of XXXX, when my payroll deductions ( and employer matching funds ) began flowing into a new account which XXXX XXXX opened for me, without my knowledge. 

I did not discover this until checks I bounced checks for which there should have been sufficient funds. After several calls and email efforts, I was unable to resolve this with XXXX XXXX, so I contacted my employer. After several requests for assistance, they finally explained that this was a common problem with XXXX XXXX, and had affected many employees in XXXX. At that point, in informed my employer of the potential fraud associated with creating second accounts ( XXXX XXXX was the example ) and that I felt it was both her and my duty to report this to the CFPB ). My university representative secured a promise from XXXX XXXX to contact me within two working days. It is now the end of the third working day and I am reporting their actions to the CFPB. 

I have yet to have any success speaking with a representative of XXXX XXXXk. I am a sophisticated user of financial services, currently have accounts with at least three financial institutions and hold a XXXX. in an XXXX discipline. If I can not resolve this, who can?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to submit a fraud alert request online with Experian on XXXX/XXXX/XXXX. They ( their website ) said I could n't do that, but that I could mail my documents in or go to their upload page. I am the victim of identity theft and am wary of sending all of my important info through the mail, so I opted to do the upload. 

On the upload page ( XXXX/XXXX/XXXX ), I tried 5 times to submit documents that complied with their format requirements ( PDF or TIF ). Not sure why the PDFs did n't work. I submitted TIFs, and was told that they need to be in XXXX and white. I submitted TIFs in XXXX and white, and they continue to tell me that they are not in the correct format. 

There is no way to talk to a human being if you call Experian, and there is no email or chat assistance. This is incredibly frustrating for someone who is in the very stressful situation of having to deal with identity theft.

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 2017-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
XXXX XXXX made an arrangement with me for repaying loan. I made XXXX payment XXXX for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and XXXX XXXX said if I made a payment every XXXX on XXXX I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment XXXX. They said I promised to pay the entire amount by XXXX which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared. 

XXXX 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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Today, I contacted Equifax in regards to my credit report because they are reporting inaccurate information. As I tried to dispute the information they refused to comply and help with the inaccuracies, I spoken with XXXX, who was in the corporate office in XXXX, XXXX She was very unprofessional, rude and left me on hold for over XXXX minutes while she pretend to assist me with my credit only to tell me that she could be of any assisted to me,

Company response to consumer: Closed with explanation