vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NY

Complaint narrative:
My issue is with Vanderbilt mortgage company every month that Ive fallen behind in the last 3 years they have harrassed degraded, and have told me what bills to not pay so they get there money. XX/XX/2018 I fell behind and told them I would pay on a certain date they asked for personal tax info to prove I would pay one time past 30 days due to three deaths. My husband took a pay cut at work that hurt our monthly income so this is why sometimes I pay a fee, they sometimes call me 3 times a day even if I give a date that Impaying Ive had to block them, because they have caused me a lot of anxiety. I sometimes pay a late fee, but this was the first time I was past 30 days Ive never had a company be so harassing in two days they sent someone to take a picture of my home and a certified letter the day after even with a promise to pay date in place. They make it really hard to talk to them in tough situations. They also offer no help in tough times and make you feel like a scum bag for not having there money. One person even said get another job. They have caused me a huge amount of stress and thought someone should be aware of how they treat people.

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 2018-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On Saturday, XX/XX/XXXX I received a bill through my email of a new company who apparently bought my student loan. I did not sign on to their agreements and my account was sold without my knowledge. I am a single parent trying to get ahead. I owe more than I took out. I am back in school doing my best to support my children. I received my emails on Saturday and I am behind a payment now. Apparently I had a bill due already. I set up the online account to try to get help. I did not get any help. I called today and was transferred more than 3 times. Each time I was repeating myself. I was on the phone for over 30 minutes. They offered me deferments on my account for 3 months as long as I pay {$100.00} today. Well if I had the {$100.00} I would pay the account up but I do not. Then the lady decided to remind me I was being recorded. I was told this every few minutes. I reminded her to listen to the records. I never agreed for my account to be sold and now I have to restart again. After I told her I was trying to better my career and in school again, the lady made me feel as if I was lying since the school did not report it. I can't support my kids and pay {$300.00} in student loans. They do not have any options to help me. How can my loan continue to be sold and I have to deal with different interest rates and more debt that I did not take out? I have attached screenshots of the date and time I received notice about my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased an American Express Gift Card with a balance of $ XXXX from a XXXX store on XX/XX/XXXX at XXXX XXXX. 

I found an authorized transaction on the card an hour later and immediately called American Express to block the transaction as it was unauthorized. They refused to block it although the transaction was until then in PENDING state. I called them multiple times and spoke to different persons each time and explained to them the theft taking place. Yet none listened to my request to cancel the unauthorized transaction and they only put a hold on my gift card for any future purchases ( although it was being emptied by the unauthorized transaction already ). Because of that I could not even monitor the card online for more information on transaction. 

I called them the following day and then again on XX/XX/XXXX. but they told me that the ( unauthorized ) transaction has already settled and they can do nothing about it. They told me to settle with the merchant, which is ridiculous. How can I settle with the merchant who received my stolen money? Such thefts use clearing houses ( in this case, XXXX XXXX ), which keep the identity of their merchants hidden. The charge appears on the card only as " XXXX XXXX XXXX XXXX  '' and XXXX XXXX then does not provide any info on their customers. 

I am sure I am not the first person to be scammed like this. I can hope to be the last if CFPB can force American Express or XXXX XXXX to refund me my money and punish the criminals of this white collar crime, in which American Express and XXXX XXXX are complicit. 

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: IL

Complaint narrative:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX  wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time

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 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX has my account listed as PAID on my credit reports. Also listed on my credit reports with XXXX funding as OWED, NO PAYMENT. 
I would like to have this REMOVED from my credit reports. I would like this information that is INACCURATE to be REMOVED from my credit reports. 
If an account says PAID, then it CANT say STILL OWING for the SAME account, that is INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Verified complaints against Wells Fargo Mortgage Re : loan number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX Plaintiff : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX You sent me a letter with a projected loan balance as of XX/XX/XXXX in the principal balance amount being XXXX your court records indicate a different amount being XXXX did you forget to credit my payment made cash paid on XX/XX/XXXX specifically in reliance to the principal deposited at your XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX. In Addition to that amount did your also forget to Credit me for the balance of the monies that your bank kept in escrow from the insurance Company the amount was over XXXX in relevance to Hurricane Wilma during the conception of time on/or after XX/XX/XXXX .more than 11 years ago. 

Did you notify or advised the appropriate authorities knowing that after Hurricane Wilma the insurance company that you contracted under forced placed insurance only disbursed XXXX which is less than half the amount of money that was necessary to repair the accrued damages that occurred on and in my property that exceeded XXXX worth of damages per FEMA estimate of damages consequently involved during the activities you were well aware of. Your actions placed me in a forced position to make a secured loan against my property in the amount of XXXX with the US Small Business Administration to repair damages that your insurance company was responsible to pay for but didnt. 

Further from XXXX to XXXX you have forced placed inflated unlawful hazard insurances On my property and I reserve the right to claim all those charges against you. 
XXXX XXXX XXXX. 
Wells Fargo Forced Placed Hazard Insurance Lawsuit Lenders often require that borrowers purchase hazard insurance on their property to protect creditors from situations in which an uninsured homeowners property is damaged. Most mortgage contacts allow banks to purchase this insurance at the homeowners expense for a fair price. The Wells Fargo forced placed insurance lawsuit was filed on behalf of borrowers who have allegedly been overcharged for homeowners insurance to the hidden financial benefit of the bank and its subsidiaries. hidden financial benefit of the bank and its subsidiaries. 
Further allegations against Wells Fargo include backdating the forced hazard insurance to the date the homeowners policy expired and threatening to retaliate against those who come forward with a lawsuit. Each of these practices is allegedly illegal and may create an unnecessary financial burden on individuals and families who may already be struggling financially. 



I submit this serious active complaint before the authorities involved and notified XXXX XXXX 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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I purchased a property with my ex, whom i was a co-borrower with, who filed for chapter XXXX bankruptcy in XX/XX/XXXX. He relinquished his rights to the property and I assumed responsibility of all payments. In XX/XX/XXXX I acquired the property via special warranty deed. Since XX/XX/XXXX, Freedom Mortgage has limited my access to my account and not provided me with statements. I have attached the extent of information provided on the site in the upload document section below. I have called monthly to obtain clarification and breakdowns of fee 's on my account and was told they were not able to provide me any information. As a result Freedoms lack of transparency on my account they allowed for XXXX homeowners policies to be paid out of my escrow ( XXXX policies taken out by a non owner of the property who filed bankruptcy in XX/XX/XXXX ), provided me with incorrect payment amounts, and are currently received payments and failed to apply to the account. This caused my pay off amount to be in excess of {$10000.00} due to months of un-applied payments.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time

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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal improperly debited my account {$1400.00} in a case where I sold a canoe on XXXX. Item was clearly advertised as local pickup/no returns. Winning bidder was notified that he could pickup canoe personally, or arrange pickup/shipping in accordance with XXXX/PayPal policies. Buyer was notified in writing that my responsibility would end at time of pickup at my residence. Buyer arranged for and paid for pickup via XXXX XXXX on XX/XX/2017. Canoe was damaged in transport, and Buyer refused final delivery from his own shipper, then filed a claim against shipper and PayPal. PayPal awarded Buyer refund of {$1400.00}, then debited my account PRIOR TO hearing my dispute. PayPal user agreement states that Buyer is NOT entitled to a claim when he/she picks an item up in person OR arranges for item pickup on their behalf. XXXX agrees with my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I forwarded a letter to Equifax dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( XXXX ) being reported for a XXXX XXXX and DIMISSED/CLOSED XXXX ( listed twice on my report ). Equifax hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Equifax is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Equifax may result in smalls claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My XXXX XXXX XXXX is under a several recalls for a faulty transmission and door latch. The steering wheel also locked up on me and my XXXX XXXX XXXX daughter WHILE I WAS DRIVING. Hundreds of thousands of these vehicles have been recalled ALSO for the steerign however, mine is currently under investigation by the Nhtsa ( report # XXXX ) to be added to the recall. I work as an XXXX DRIVER and used this vehicle to work and pay my bills. I contacted Chase in XX/XX/XXXX asked for the loan to be cancelled due to XXXX XXXX selling me the car KNOWING it was under a major recall as well as the fact that the vehicle was inoperable. The vehicle steering wheel locked up on XX/XX/XXXX and has not been operable or on the road since. ALL INSURANCE AND REGISTRATION HAS BEEN CANCELLED. 

Chase refused to cancel the loan as well as repossess it. This vehicle is useless and was sold to me under false circumstances. Chase is now contacting my attorney ( fro the transmission defect ) threating to affect my credit score. They refused the resolution I offered and actually were aware of the vehicle defects when they approved me for the initial loan. The vehicle is of no use to me and is currently being held in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX for consumer fraud. 

I feel im being XXXX  over circumstances that are not my fault! I offered a solution and rather than care about litigation or consumer safety, they are trying to XXXX funds from me that I would have otherwise had if my vehicle didn't leave me stuck walking and I was able to make money via XXXX to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: GREAT LAKES
State: FL

Complaint narrative:
I was approved for the income based repayment plan XX/XX/XXXX. Great Lakes continued to bill me at a standard repayment rate. I called each time to tell them it was wrong which they ignored. They eventually told me I had to reapply to the income based repayment. I did what they said and was approved, again, XX/XX/XXXX. However, they continued to charge my accounts interest from XX/XX/XXXX through the present even though they continued to have my payments wrong preventing me from making a payment without the risk of accepting what they were doing. On XX/XX/XXXX, I spoke to Great Lakes again, and they deny that I was accepted and refuse to correct the interest they charged me which is now over {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation