vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We had this loan since XXXX and never missed a payment until 2 years ago they repossessed it. We paid all the fees and got it back. we were good until this past year when I lost my job. I did get another job and tried to make payments and the bank has already charged off the vehicle and never told us. They have been calling us and trying to work a deal out as the lowest they would go was $ XXXX. They wanted 4 payments of {$1600.00} each, something like that and there is no way we could do that. They are now going to repossess the vehicle and give both me and my daughter because I was a co-signer a 1099-C. I understand the concept as credit cards do that, but how can they give us both a 1099-C? That is over {$16000.00} between the both of us. We owe {$8300.00} and we have tried everything, sell it, auction it, trade with dealer. No one will give us not even {$2000.00}. The dealer will only give us {$1500.00} and that was 3 dealers. I can not get the car inspected, it needs so much work and I am afraid to put the money into it and then they take it. All these months I could have been making payments I could have afforded which was $ XXXX/month. could not because it is charged off already back in XX/XX/XXXX or sooner. Not sure exactly when. The interest rate is 16.99 % and they have made their money 10 times over. What can I do? I want it fair and legal. We do not get statements anymore for a long time so I do not have full account number.

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 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
This is perhaps not the correct venue but I do not know where else to address this matter. I am currently required to pay PMI and have petitioned to have it removed from my current mortgage. The response that I received from The Money Source , the current mortgage holder, that I did not have enough equity in the property was a bit surprising as when the house was appraised by XXXX XXXX XXXX, the previous mortgage holder, was for {$320000.00}. The balance is now ~ {$240000.00}. If my math is correct, this " equity '' should release me from the monthly PMI payment. However, I have been informed that since my mortgage was sold to The Money Source, my realized equity was erased essentially and started all over. If this is reality, then every time I reach a point of 80 % my mortgage will be resold and I will be required to pay PMI for the entirety of the 30 years regardless of equity realized. 
This has the appearance of mortgage companies assuring PMI payment collection and fixing the market against consumers in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 a background check was submitted for XXXX XXXX to Experian. It listed my current address in XXXX, FL which is incorrect. I live in XXXX, FL and my son lives in 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 non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been getting multiple credit card offers from Capital One, XXXX  XXXX, and XXXX XXXX  XXXX. Some weeks, I get four mailings from these companies a week. 

Every letter has the same opt-out number, XXXX. I called the number to opt-out and it always leads to someone with a heavy accent who tries to ask for personal information. 

I suspect someone is trying to pull a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
I am a victim of 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 explanation
Consumer complaint received 2019-11-12 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please 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 2019-11-12 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I signed up for the Citi AADvantage Mile up card in XX/XX/XXXX. They had a bonus offer that they emailed on XX/XX/XXXX, with XXXX miles and XXXX dollars in statement credit, as well as a promotional introductory APR. While I had the APR applied, the XXXX dollar statement credit and the introductory XXXX bonus miles were never given to me. I called in XX/XX/XXXX to inform them that my new bonus had not come in my account and they said, this offer was available only to those opening a new account. I told them, this was a new account that came with a 0 % APR, which was applied, but not the other 2 offers that were also there, which included the XXXX Bonus miles and XXXX dollar statement credit. They refused to issue the credit. I called again in XX/XX/XXXX, and citi again declined my request. I would have not applied for this card had those offers not been there and they have refused to honor what was advertised when I applied for this card. I have gone back and forth with citi and they still stay this was not a new card, but how can I get an email about having an application approved if I didn't get the new card? Citi is engaging in illegal and fraudulent behavior by promising their customers with new offer bonuses, but not delivering them. This is cheating customers, especially because I have been with citi for such a long time. You can see from my XX/XX/XXXX statement that a promotional interest was on there, and this is only for new card members and I had met the XXXX dollar minimum at that point to get my XXXX miles and XXXX dollar statement credit. Citi 's system obviously did not give me the bonus offer that I was entitled to, but citi has refused to honor their request and are cheating me out of the rewards I signed up for.

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 2019-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX from Carmax in XXXX of XXXX. I have made payments, sometimes late but I have caught up when finances allowed, for the past almost 3 years. I recently was caught up with medical issues that caused my finances to be stretched as well as we had a loss in our family and have been going through very tough times. I have made payments, while not at the full past due balance, I have at least paid what the standard payments were. On XX/XX/XXXX I attempted to make a payment and Carmax refused to allow me to make the payment online or through the app so I was forced to call in. I called Carmax on XX/XX/XXXX and I was met with a very disrespectful and unempathetic employee who proceeded to tell me that the car was up for repossession. I received no notice of this and advised her of this. She states they mailed letters but that they came back returned. My wife is home and gets the mail everyday and never once was given a certified letter to sign for. We also have security cameras and the mail delivery person never brought a letter to our door. The employee didn't care and refused to so any empathy when I explained our financial issues. We are a one income family as my wife is unable to work. The employee continued to tell me that all they can do is take a payment of $ 270+ and give me 14 days to pay the rest or the car will be repossessed. I begged her to see if there was any other option as I do not even have {$200.00} to my name. She refused to offer any assistance and said that her word is final. This has caused me stress to the point that I am currently speaking with the suicide hotline because she has made me feel like I am a failure and that there is no hope. I struggle with XXXX and have had a past in XXXX   thoughts and this is the closest I have ever been to crossing the line thanks to Carmax Finance 's employee. All I am asking is for a little compassion and help. I will get caught up once I receive the funds to do so. I am just asking for some help. I want to pay for the car and am willing to do so but I just need a little help until I can get back on track. Carmax refuses to assist. Carmax does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase ( and my dedicated relationship manager ) refuses to acknowledge my name on the deed of assent to my home inherited from my deceased father-in-law ( military veteran ) even though it is my legal name and my legal name is clearly typed on the deed of assent. This deed of assent was prepared by an attorney and accepted and filed in our county clerk of courts office in XX/XX/XXXX. I have sent this deed to Chase and my dedicated relationship manager 61 times since XX/XX/XXXX but they just keep telling me that they need a deed with my name on it and repeatedly ask me to send my deed of assent to them again. 

Chase also refuses to acknowledge my homeowners insurance verification form. My dedicated relationship manager has told me that he can not find these documents even though I have sent them to Chase 61 times since XX/XX/XXXX. Receipt of our documents arriving at Chase from XX/XX/XXXX to XX/XX/XXXX has been confirmed by USPS certified mail, XXXX, XXXX, Chase branch bank managers, and a specific person ( unnamed for this complaint ) in the " Chase Customer Life Events Department '' on the afternoon of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Over the past month I've been trying to have fraudulent property tax payments removed from the final balance of my lease pay off. When I leased the car I lived in XXXX XXXX, a year later when I moved I updated the vehicle registration information with both the Dept of motor vehicle and Hyundai Finance.  Over the past few years I've been paying taxes on the lease in the county I moved to- XXXX XXXX and that's the Cty Hyuandai finance has been charging me. However, for some reason the month before my lease ended, they added taxes from XXXX XXXX Cty-XXXX to my account and stated I owe these fees. Keep in mind I've been paying the property taxes with Hyundai for XXXX Cty over the past years, which proves they have my updated property tax information. I've contacted Hyundai finance several times and each time they state they haven't received any verifying information from me and the Hyundai finance tax department hasn't uploaded the verifying faxed documents I submitted to clear this up. Hyundai states they have no other means for me to send this information and still claim they aren't receiving my faxex although I have receipts. I'm reporting this because I've tried and failed to resolve this with them. Hoping you all can speed up the process. Please let me know if you need further information from me/documents for verification. Thanks.

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 2019-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened account with Union Bank in 2015. When I was at branch location in XXXX XXXX XXXX, teller was very rude and refused deposit a check, because my first name had one letter different. I tried to explain and even showed California government Insurance, that my first name can spell different. I also pointed out that similar check /same merchant, similar $ 800+ amount was deposited previous week /. I asked for supervisor. They had so many people working at this branch but only 1 teller was available. Behind me was an impatient XXXX  man who was pacing and asking me to move, while I still was speaking to teller! I stood aside. XXXX  man went to cashier and was making comments about me, while I was there - its a very small branch and space by counter is tiny. I politely told him not to talk about me. Manager came in, that XXXX  man got weird and hit my leg with his leg! He knew very well that Bank workers couldn't see that, because of tall counter! I was upset and told him to stop acting crazy while he called me name. Manager said that he is regular customer! They refused to assist me. When I went to my car and drove away, I saw XXXX  man behind me! I parked and called acquaintance of mine. 2 hours later we safely left. I was prejudiced against in this branch where they favor XXXX, I was insulted. I lost money, because not able to deposit a check, I ended up cashing it without any problems at cashing place for a very high fees, because I needed cash to pay a bill. I left a card in the branch, being upset about mistreatment and couldn't withdraw my own money. Shorty after, branch in XXXX XXXX sent me letter that they discontinued my services! I had to wait for a while, when they told me they will mail me check from my account, losing money because of all above mentioned - {$580.00}. Bank was holding onto my money meanwhile, while I wasn't their customer. Eventually they sent a check. 
I am demanding them to pay my losses {$580.00}

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 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXXXXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXXXXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX   XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXXXXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ghidotti | Berger LLP
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX  sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX , XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF  LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST  BY XXXX XXXX XXXX   XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
PRESTIGE DEFAULT SERVICES & XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: NJ

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****

Company response to consumer: Closed with explanation