vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
XXXX XXXX XXXX, XXXX was in arrears by approximately $ 20K on a mortgage loan with BancorpSouth Bank as of XX/XX/XXXX. The amount remaining on the loan was approximately $ 120K, as evidenced by the invoice attached. On XX/XX/XXXX one of the buildings located on the property was destroyed by fire. After the tragedy, it was discovered that the property was foreclosed on XX/XX/XXXX. No notification of pending foreclosure was ever received by XXXX XXXX XXXX. The property was appraised at $ 240+ in XX/XX/XXXX ( please see copy of appraisal attached ). BancorpSouth contacted the insurance company and requested that insurance proceeds be sent directly to them ( please see attached email ). The building that was destroyed was insured for {$150000.00}. 
A check in the amount of $ XXXX was made payable to XXXX XXXX XXXX XXXX, BancorpSouth Bank, and Small Business Administration. If repairs were made within a certain period, then the additional coverage amount would be forwarded. As of this date, no check has been forwarded to XXXX XXXX XXXX. The bank now has the property and the insurance proceeds, which is much greater than the $ 120K that was owed. This seems unfair and unjust. XXXX XXXX XXXX paid the insurance premiums and seeks the insurance proceeds received for this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: OH

Complaint narrative:
My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
debt collector, scam call, calling family members and employer. said he was with 5/3 collecting debit, but had no information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.

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 2017-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
We were paying the mortgage by phone because there were no branches in the vicinity. There was a {$19.00} dollar phone fee which we never knew about until after six months therefore we were contacted by mail telling us we were behind in our mortgage and late charges and home inspection fees started to mount up. Whenever we tried to call them we were either hung up on or put on hold forever. Furthermore, they told us to apply for a loan modification, not only once but three times. They told us papers were missing, which we sent by certified mail and continued to get the run around. We have paid the mortgage for twenty three years between four different lenders. XXXX XXXX XXXX before transferring our mortgage to Nation Star told us our payments would be lowered and Nation Star never acknowledged it. When we could n't rectify the situation, we stopped paying the mortgage. We are currently going through the foreclosure review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
On my account RASH CURTIS & ASSOCIATES Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

I am writing this to investigate my account RASH CURTIS & ASSOCIATES. I am an identify theft victim. I sent FTC complaint & ID theft report, I also sent validation letter request they prove my information but they did n't response to me and they did n't remove these on my credit report. Please investigate and remove all these of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XXXX XXXX, XXXX at XXXX pm I received an automated email from Bank of America indicating that the balance in my saving 's account was low. I checked my account via online banking and found that two transactions had posted to the account that I was not responsible for : a deposit of {$380.00} into my checking account at an atm, as well as a withdrawal of {$1900.00} from my checking account at a Bank of America location in XXXX. My debit card was not missing/stolen. At the time, I was at home in XXXX, RI. I called Bank of America and the person I spoke to in the check fraud department told me they could n't do anything about the pending {$1900.00} withdrawal because it was still pending, and they told me I should call back. 

Two additional charges later posted ( both balance inquiries at two different atms ), though I believe they occurred on the same day. I called back on XXXX XXXX and the representative agreed that my account had been compromised, froze the checking account, canceled my debit card, and filed a check fraud claim that would take " 60 business days '' to resolve. 

On XXXX XXXX I received a secure message from Bank of America stating that they had denied my claim because my ATM card and PIN were used as identification in making the {$1900.00} withdrawal. I am unable to understand this given that they person interacted with THREE ATMs that day, so of course they had a copy of my debit card and pin number. I immediately called Bank of America and the agent agreed to put the claim up for reconsideration, and assured me that the debit fraud department would look at is as well, given that the debit card was obviously compromised. 

XXXX XXXX XXXX XXXX ) I called back to check on the status of the claim. I was told that an analyst had looked at the claim on the XXXX ( though this was never communicated to me ) and had decided to again deny the claim. 

I 'm unable to comprehend how {$1900.00} of my money was stolen right out of my bank account and my bank refuses to refund what was lost, as is required of them by the FDIC. I have multiple witnesses, including my wife and a friend I was with that day who can confirm that I was at home in XXXX, RI all day.

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 2017-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
On XXXX XXXX XXXX XXXX took our my normal automatic withdrawl for my student loan in the amount of {$220.00}. They then also took out another {$220.00}. On their files it said that they then paid back the double debit from my account, refunding me {$220.00}. The records from my bank show that a debit was taken on {$220.00} on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX with no refund given. 
I first called their company on XXXX XXXX, XXXX and was told to send an email to customer service along with my loan number. I did this that same day and and email was sent back saying that it was being forwarded to an account XXXX and I would hear back from then. I then called again on XXXX XXXX, XXXX as well as XXXX XXXX, XXXX with no progress made and got no answers. During the XXXX XXXX called the representative advised me to not make my XXXX XXXX payment. I did this as a XXXX time non-payment with it saying no money was due. 
Since that time no money has been refunded, no principal has been taken off of my loan amount, interested has continued to incur on my loan, and I have not had a reply email or phone call from the company. 
I emailed them also on XXXX XXXX, XXXX as well as today, XXXX XXXX, XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Each month I pay extra principle money towards my mortgage in an attempt to pay it off sooner. Well Fargo is continuing to apply my extra principle payment to future months, instead of towards principle. Clearly this benefits Wells Fargo as it hampers my attempt to pay extra towards current principle. 

I have other mortgages with other banks, and they do not do this. To me, this seems like a shady practice by Wells Fargo, as it hampers my attempt to pay extra towards current principle. 

I have had contacted Wells Fargo multiple times on this, and demanded that the default option for excess funds should be to reduce principle. I should not have to call in every month to get this taken care of, since Wells Fargo is choosing the option that benefits their bottom line.

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 2017-11-07 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: ACS Education Services
State: NY

Complaint narrative:
I had a private loan ( Amount {$3500.00} ) with ACS which I got when I started school at University XXXX Arizona ( opened XXXX ). After graduation, a couple things happened. XXXX the Government switched student loan servicers to XXXX XXXX XXXX. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out XXXX Account last active XXXX ) before it went delinquent. 
But on my XXXX XXXX, the report shows XXXX instance of the payment being XXXX days late and XXXX instances of it being XXXX days late. This is inaccurate. It should say XXXX instance of it being XXXX days late. It is not that I had XXXX loans that were XXXX late. It was that XXXX student loan ( which changed servicers ) that was late for more than XXXX days. 
I contacted ACS couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My XXXX XXXX is XXXX and I have never had a late payment other than this student loan. Showing XXXX instances of me being XXXX late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: FL

Complaint narrative:
I had spoken to Equifax about an account that they are reporting on my credit file and they said they were not changing anything. I have forwarded them information showing the account should be removed as per the company and they still are giving me the running around. The account is XXXX XXXX XXXX and I have included the letter showing it is suppose to be deleted. I really need your help. I do n't know why Equifax continues to not do their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen was notified XXXX of enrollment in AZ XXXX XXXX XXXX program. 
Ocwen never recognized participation in program. 
Payments received from the AZ XXXX XXXX were improperly applied to my account. XXXX XXXX Requests were made about alternative options to assist me from losing home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. 
XXXX XXXX was sent and received XXXX XXXX XXXX House was placed on trustee sale XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
I was notified XXXX/XXXX/XXXX approved for loan modification I was informed XXXX/XXXX/XXXX of lien and need to remove prior to XXXX/XXXX/XXXX. 
Loan modification was denied XXXX/XXXX/XXXX because of lien. 
Relationship XXXX was asked about sale date and foreclosure status for XXXX/XXXX/XXXX was told no current sale date and foreclosure was on hold.

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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to XXXX XXXX and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But XXXX XXXX still fails to acknowledge the police report. I had reported this Experian many times and Experian does not comply.

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 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has called me numerous times throughout the day since the beginning of XXXX I have already complained to the supervisor "XXXX regarding the aggressive behavior of my account manager, XXXX XXXX  and requested that my account, be transferred to another person without success. I have spoken repeatedly to XXXX and explained that I am experiencing financial hardship. My family was affected by the XXXX XXXX fire and my son's father suddenly stopped paying child support in  XXXXr which has make bills tough. I spoke to the Supervisor on more than one occasion and expressed that I would need more time, which he allowed but I continue to get aggressive calls from XXXX  despite the fact that I informed him that I had already spoken to his supervisor and that he was going to allow me more time due to financial hardship. When I would speak to XXXX he would talk over me, reading from a script, interrupt me, and make snarky remarks.Calls have been made to me on the following dates and times in the last week.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 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: CA

Complaint narrative:
I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXXs # XXXX which were well over 7 years old. XXXX XXXX XXXX XXXX then sold these same 3 loans to XXXX XXXX XXXX These 3 loans have not been removed. They are the same debt that XXXX continues to sell over and over. Selling the same loan over and over destroys my credit and is against the law to do. Equifax still has all 3 XXXX XXXX XXXX on my report last dated XX/XX/17. I have previously stated that they be removed. Equifax continues to be difficult to deal with upon this issue. XXXX and XXXX had the decency to remove them quickly. Why has n't Equifax done so? Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly. I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Around XXXX XXXX, XXXX I sent a letter to Equifax for them to verify/investigate the accounts, collections, and inquiries on my credit report. On XXXX XXXX, XXXX I received a letter from Equifax stating they are unable to locate a credit file for me. I have a hard time believing that, seeing is that I sent a copy of my id and social security card. I 've sent letters and called Equifax in the past and they were always able to pull up a credit file for me. I 'm not sure what 's going on now, but this letter is incorrect. I need Equifax to verify all accounts, collections, and inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have reached out to American Express and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But American express still fails to acknowledge the police report. I had reported this XXXX many times and XXXX does not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
Prosper Marketplace Accountnumber XXXX failed to notify me about reporting derogatory info. to XXXX and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, Prosper Marketplace '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Prosper Marketplace failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the XXXX XXXX Prosper Marketplace is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: NY

Complaint narrative:
I am on the lifetime opt out of credit card advertising and capital one. The company sending the advertising is Capital One, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have also called them by phone to see why they are in violation of the law about sending me offers no answer given just " Sorry '' Blatant disregard for the law. These offers need to stop from them and all the other credit card companies such as XXXX XXXX and XXXX have also sent me offer and Yes I have called them to ask the same question. I have been on the list for two month know " Why are they breaking the LAW? Why is the List not WORKING? Why are you NOT ENFORCING COMPLIANCE?

Company response to consumer: Closed with explanation