vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We were shopping for Mortgage loan soon after our house contract was sighed. At the very beginning, we talked to XXXX XXXX and were very happy with their offer. BOA Mortgage Lender approached us and agreed to match XXXX XXXX  offer. Because of this, we turned off XXXX XXXX offer and chose BOA given that we are existing BOA customers, we thought it may help to streamline the loan application process. Unfourtnately, the experience was very unpleasant. 

- BOA failed to provide the offer they agreed. At the time when the lender approached us, she agreed to offer us a 3.125 % interest rate with no point and no application fee. However the loan estimate has both point and application fee. We questioned the discprapancy and the lender explained it was due to internal system internal issue and she will get it refund to us. Given the tight closing time, she suggested us to proceed with the loan to avoid delay and promised to refund the difference to us. 

- BOA failed to respond and resolve this issue in a timely manner. We keep asking for the refund progress but no response yet. The issue was escalated to the lender 's VP and then another division. We were informed the person was on vacation and no estimated time of cure was given. 

- BOA failed to act professionally. I 've seen several mistakes at the closing statements - typo in the address of property we bought, revised closing figure which we percieve a reasonable lincesed lender would not do so. The clsoing date was delayed because BOA failed to provide all documents to escrow timely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been banking with Wells Fargo for over 10 years. I signed up for the XXXX XXXX card in XXXX 2017 with a signup bonus of {$200.00} back after $ XXXX spend in 3 months by clicking on an ad, and got confirmation from their credit card department via phone call that I am eligible for this bonus. I met the limit and months have passed without this bonus being posted. I called again and sent a message and they are now saying they do n't see that I am qualified and are not making an effort to help fix this. 

This offer has been around for a long time and is still being advertised online. I have never had issues with my bank balance nor do I have any credit issues. I have absolutely no idea why they would renege on the offer for just me, a loyal customer for over a decade.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Short Sale was started XXXX/XXXX/17 with PNC. This is the SECOND CFPB COMPLAINT I have had to file against PNC for this borrower. ( See attached ) Most recently, PNC has now decided to refuse to speak with us, XXXX XXXX XXXX, as an authorized third party. PNC has spoken to us several times prior to today, therefore this is clearly retaliatory for filing the previous CFPB complaint against PNC. 

Is PNC now deleting our authorization documents? 

This has got to stop. This is servicing fraud. It is illegal for PNC to reuse to speak to an authorized third party. It is illegal for PNC to make up laws stating they are no longer allowed to tell me what the value is, nor what the counter is, nor are they allowed to make outbound calls to me or leave voice messages because this " is in the state of California ''. Since when does the state of California have anything to do with PNC properly servicing their loans? NO SUCH LAW EXISTS!!!!! 

Were not real surprised considering PNC committed this, yet another, illegal act when they cut off funding for this home to be build.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I received notice from a credit bureau reporting system that my credit report was changed. When I investigated the I found a collection notice from a company called Security Credit Services for a rental/leasing loan that I did not take out. It was for {$1800.00}. I called them to ask to have it removed and they told me they could n't. I never receive any notification from anyone that this loan was owed which is n't surprising since the address, birth date, email address etc related to their account are not mine. Furthermore, the loan was opened in my maiden name which has n't been used in over 22 years. They are supposed to be sending me an affidavit to be returned with a police report, but they would n't tell me who the loan was actually with originally and that 's required for the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
This is an update with new information for a complaint that had been previously filed against Pentagon Federal Credit Union. The new information is an investigation by the FBI and a letter from XXXX XXXX. The FBI investigation shows that my signature was forged on several documents and one promissory note was altered. The letter from XXXX XXXX confirms that they were duped into providing my personal and confidential information to PenFed. A  Massachusetts 93A Demand Letter has been executed against PenFed.

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 2017-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: MA

Complaint narrative:
There is an issue with my Mortgage Lender, Pacific Union Financial, not paying my city taxes on time. In this most recent occurrence I reached out about two months back and faxed over the necessary paper work as I normally would but this payment was still never submitted to my cities collection office. I received a letter of delinquency from my city tax collector 's office notifying me of nonpayment and communicating that my estate is going to be advertised for nonpayment of taxes and this delinquency will be published in the XXXX XXXX XXXX. In additon a lean will be held on my property. After the bank neglected to resolve this issue following my submission of the delinquent balance via fax and receiving this notification I contacted the bank and requested this be handled right away. This request was submitted on XX/XX/XXXX. I was told it could take up to XX/XX/XXXX for action to be taken. I insisted this be handled asap. After no communication or payment onXX/XX/XXXX I  called the bank and asked to speak to the manager ( XXXX XXXX ) who assisted me on the XXXX who was not available. I then asked to speak to another manager and was connected with XXXX ( XXXX ) who escalated the situation and guaranteed a call back by close of business day to provide me the status. After no return phone call, I contact the bank again on XX/XX/XXXX. Requested to speak to XXXX. She was not available. Asked to speak to her manager and no other manager was available. I was told this mater could be escalated and I will receive a call back. This needs to be resolved by tomorrow and I 'm quite certain this is not going to happen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
According to Ditech I had since XXXX XXXX late fees. I ca n't understand how I would have late fee if I always if paid late sent in my mortgage with the late fee included. They decided to apply these fees how ever they liked and never reduced the late fee charges. If you look at my attached documents you can see approximately around XXXX of XXXX I started to send extra payments to catch up to everything and anything I was late in. I called customer service and they went over the statement and even gave me a breakdown of how I can pay everything in full so that the account can be up to date. From XXXX XXXX thru XXXX XXXX I made all the overage payments along with my regular mtg payments ( my mtg is {$1700.00} per month ). After I did all this, I continued to see that I had more money owed, in other words, my balance continued to increase instead of having my regular monthly balance that I owed each month. When I called again around XXXX XXXX I again asked them to give me the total to complete in full any negative and I once again did the same. This time they told me it was due to an escrow that forced on my account without me ever, ever escrowing in this account. When I thought I brought everything current ( which was a total in XXXX XXXX of {$4900.00} ) and made my XXXX payment I received another letter stating that the payment was a partial payment and that I owed them {$3400.00} and they would take legal action ( I attached those documents as well ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, Credit Management LC called me, identified themselves as a debt collector, and informed me a debt must be paid to avoid going on my credit report. Upon further questioning, it was admitted to me that they did not own the debt. I requested an address to provide written challenge of the debt and request proof, via certified mail and was informed that they operate out of a XXXX XXXX and could not receive certified mail. They admitted to placing a phone call to me via computer in which the representative could not control, and that I could not be removed from being contacted via computer nor could a call be scheduled by them on a payment date because they could not place outgoing calls. 

This company has made repeated phone calls to me that rang once and hung up or hung up when I answered, on the following dates/times in the last month. XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: OK

Complaint narrative:
XXXX-17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have been advised that the loan is no being approved due to the income being submitted showing the ability to afford. the client 's income is XXXX Lender has failed to consider the change of circumstances and the clients now ability to pay. The current payment of the loan is roughly XXXX the expenses are XXXX Due to the client 's change of circumstance and dependents. We feel the review was not handled properly and not all factors were considered.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In XXXX of 2016, Midland Funding/Midland Credit Management added a collection to my credit report for {$2600.00}. This alleged debt did not originate with Midland Funding and they have failed to provide me with any documentation with my signature on it stating I owe this debt. It is a violation of The Fair Debt Collection Practices Act and I demand this action be removed from my credit report and all threats of litigation and any pending litigation be halted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XXXXX17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.

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 2017-08-23 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Dear Sirs ; I recently called Freedom Mortgage to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined.
The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by Freedom Mortgage until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to 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 2017-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX Please reference this case. 

There are a lot of misinformation given. After receiving your decision I called back Nelnet to get a better understanding of what happened in case I just was n't understanding. 

-The response on XXXX/XXXX/XXXX said that my per Diem was {$14.00} but when I called Nelnet the adviser told me my per Diem had gone up to {$14.00} and said that the report given to CFPB was not accurate. Same day response. 

-When I switched to a traditional payment plan they steered me to forbearance for over 30 days to allow the system to process and raised my back due interest to {$1700.00} as of XXXX XXXX. My payment will be {$530.00} which of that {$440.00} was going to be the interest portion and the rest was principle. I said I intended to pay {$600.00} per month and they informed me that any money above and beyond had to pay the back interest of {$1700.00} which means it will take me 2.5 years approximately to pay off that interest they steered me towards. 

I feel like I 'm in this situation due to them steering me toward the forbearance. 

That 's my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to 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 2017-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: CA

Complaint narrative:
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to 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