vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Around   XXXX   XXXX    , I made purchases with  Saks Fifth Ave  using my major purchase account. The account had been opened by me and used over several years which I never had any issues with ( including same promotion programs during holidays and such ). After I made the purchases in  XXXX , I returned over 80 % of the items in the following months. I called and inquired why my min. payments remained high and the response was that I should have read the fine prints better that I had to make the same minimum payments regardless whether those purchases were returned until my account is fully paid off  (  including any previous purchases not under the same promotional program ). I asked why the new program was n't clearly advertised to the consumers as to what the significant changes were and they said a separate letter was sent out along with the privacy statements. I was in disbelief as a customer of Saks for over 10 years with good payment history being treated as such. This has created financial burden as I was n't expecting the terms as such so my cash flow was negatively impacted. I finally paid the account in full and closed. As a honest consumer and willing to make full payments and a long history with the Company, I was misled and mistreated by Saks. When I finally called  Capital One , they disclaimed their responsibilities as they said it was n't their responsibilities of how the store promoted the credit program. Additionally, Capital One was also unwilling to help in anyway because it was n't their responsibility in working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
We were approved for a HAMP Trial in   XXXX   XXXX   by  XXXX   XXXX , but they transferred servicing of our loan to  Bayview Serv icing before we could complete the Trial and make payments. So in   XXXX   XXXX   the request for modification assistance b  egan again with Bayview.
During the past six months  , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place.     Now they have pla ced a Sales  Notice for   XXXX   XXXX   XXXX   on our door, even as they have communica ted NOTHING to us via  regular mail, email or our account status on their website, which continues shows us under review for our modification.     And yet a sale is underway.     We have repeated emailed and uploaded complaints to  Bayview o ver their handling of our modification repeatedly. No response except more document requests.     Furthermore, our asset  manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault?     To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with  XXXX , we do now with  Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us.     In conclusion :  1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas.      2. Bayview in bad faith  has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the  XXXX , the tax returns, etc.!      3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime.      4. Bayview  has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In   XXXX   I was told by Equifax that my file was being handled by a special department called consumer affairs. They told me then that it was indefinite and they had no time frame as to when it would be released. They stated that this is for my protection but it has been nothing short of a hindrance to me. I have waited 6 years and I am constantly inconvenienced by this department. They are rude and wo n't answer any questions regarding my file. I have asked to be removed and they wo n't. I ca n't even take advantage of online credit monitoring because they have my file locked. How is this legal or ethical. It 's my credit file and I have to work hard to even view it, then wait days for them to mail me a copy. How is this protecting me? Consumer Affairs is not a department that is for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I am a   XXXX   XXXX  . On    XXXX   XXXX  , 2017 we  ordered a payoff statement from Fay Servicing , LLC of  XXXX , IL. We received the payoff statement and o n  XX/XX/XXXX   paid the loan in full. On   XX/XX/XXXX  I re ceived notification from the new owner of the property that the mortgage holder was attempting to " winterize '' the house and change the locks. I contacted Fay Servicing , LLC to find out why they loan had not been cancelled and was told that they payoff they received was short by nearly {$600.00}, eventhough they were sent funds in excess of the written payoff demand. We were never notified of an issue with the payoff  and Fay Services refuse s to take responsibility for the mistake. I have yet to receive a revised payoff statement showing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
When I began repaying my student loans in   XXXX  , I was told I would need to m ake 120 paym ents on time to qualify for th e Public Service Loan Forgiveness  program. I chose to have my payments auto-deducted from my bank account to ensure I would not miss a payment deadline. In fall  XXXX , my payments suddenly increased. I called to speak with a representative regarding this increase & was informed I was on the  Graduated Repayment Plan,  which sounded fine to me. Before the phone call ended, I asked them to verify how many payments were left before I could apply for the loan forgiveness. I was informed by the representative that my payment plan did not qualify for the loan forgiveness & that the loan forgiveness was not retroactive. This was the first I had heard &  read  of this, as I also had been interested in the  XXXX   XXXX   XXXX   XXXX   XXXX . I immediately had the representative start processing the paperwork to swap my loans to a qualifying repayment program. It appears as though I will be working another 10 years as a  XXXX  to get my loans forgiven. I feel cheated & tricked by this program. I made my payments on time ... so why should I be punished for not being on a lower repayment plan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion is reporting that I have an open Chapter  XXXX  bankruptcy. The case was closed without a discharge because I submitted my financial instructional course too late. My attorney would not re-file to reopen the case. T he US Bankruptcy Court gave  me a Notice - CASE CLOSED WITHOUT A DISCHARGE. I have spoken to  3 different supervisors in the past month and filed at least 4 disputes to have this  removed from my credit report. The other  XXXX  credit reporting agencies deleted the Chapter  XXXX  from my report without any issues with the same exact documents I have provided to Transunion. I do n't know what else to do, I have disputed on line, on the phone I have provided documentation from the court. I went down to the courthouse because  one o f the supervisors told me the court was reporting it as active, however when I told that to the clerk he in turn showed me the same document they have on file " NOTICE CASE CLOSED  WITOU A DISCHARGE. My case is closed, not discharged, not  dismissed. It needs to be deleted.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a released state tax lien from the state of Georgia on my credit reports at  XXXX , Equifax, and  XXXX . The lien was filed on   XX/XX/XXXX   and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX  (  see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus,   who stated that they need documentation from the GA  Dept of Revenue  requesting that the released lien be removed from my report - they report that the information is accurate and it is listed on my credit report as 'released. '  One  credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the GA  Dept of Revenue  who advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a released state tax lien from the   XXXX   XXXX   XXXX   on my credit reports at  XXXX ,  XXXX , and Experian. The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX   ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus, who stated that they need documentati on from th e   XXXX   XXXX   XXXX   XXXX   requesting that the released lien be removed from my r eport - they report that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same. Experian will only allow you to dispute fraudulent information. I contacted th e   XXXX   XXXX   XXXX   XXXX   who advised me that they will not write letters and do    not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the   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 non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An insurance check from   XXXX   XXXX    county   XXXX   XXXX   XXXX   was addressed and issued to the Insured policy owner and the   busines s   ( auto body shop ) for repairs  on our vehicle created by an accident. A claim was made to the insurance company ; therefore a check was issued and the ins urance adjuster hand delivered the check to the owner of the  body shop and t he che ck was Payable to : the insurance policy owner and the   body shop       XX/XX/XXXX . The owner of the body shop took the Check to Wells Fargo Bank on  XX/XX/XXXX  a  nd the teller directly deposited the check WITHOUT the Insurance Policy Ow ner 's signature. I received a copy of the check from t he Insurance Co. and no  signatures were on back of the check. On the back of the Check it states : Personal Endorsement of Each Payee Required ENDORSEE : Please endorse check exactly as your name appears on the face. THEN it was stamped by  Wells Fargo " CR EDITED TO THE ACCOUNT OF WITHIN NAMED PAYEE ''. The amount of the check is twice of the quote given to us for repairs ; therefore, this money was stolen and falsified. Therefore, I am filing a complaint against  Wells Fargo on a llowing funds illegally to be deposited to t his body shops account without Consent. No Consent form was signed nor do we   have any invoices on the body work done to the vehicle. Requesting the difference of the amount quoted to us for the body work done. A verbal quote from the body shop was {$2100.00} and the check was written for {$4800.00} due to the lack of responsibility on  Wells Fargo Bank allo wing this individual to take money without our consent and due to the nature of this claim our insurance premiums went up.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I leased furniture through a company called acima credit. And signed a lease over the phone thinking I was paying the amount discussed over the phone which was {$650.00}. They then sent a letter a few weeks later saying I had a  XXXX  deadline to pay off the bed. That was   XXXX   XXXX   XXXX    . I called to figure out when my deadline was and told me it passed and that I now owed {$980.00} dollars. I asked to be transferred to a supervisor, which was very rude, to try to resolve the issue. I never knew I was signing a lease for more then the amount owed until I received the letter. But the damage was done. The lease was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Attention to  XXXX   XXXX  : LOAN #  XXXX  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , Florida  XXXX  Borrowers Name :  XXXX   XXXX   XXXX  To :  XXXX   XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC.   On   XXXX   XXXX   XXXX  , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement,  Rushmore Borrower Assistance Application c ompleted and signed,   XXXX   AND  XXXX  Income taxes return, 2 months of paystub, 2 months of Bank  Statements and Utilities bil ls. The Fax confirmation on that day at   XXXX   XXXX   with  57 page s and also at   XXXX   XXXX   also  57 pages as  well.   On   XXXX   XXXX   XXXX  , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On   XXXX   XXXX   XXXX  , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day   XXXX   XXXX   XXXX  .   On   XXXX   XXXX   XXXX  , we communicated with   XXXX   XXXX   XXXX  , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On   XXXX   XXXX   XXXX   we emailed him the following documentation : Tax returns, Paystub, Bank  Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I started doing business with  PayPal  in  XXXX  of   XXXX  . At that time my  credit score w as around  XXXX . Because I did a lot of business I was put on  a 21 -  day rolling hold to withdraw my funds - to make sure that I fulfilled the orders put through my  XXXX  store. I complied with this, but due to the rolling hold which reached above {$25000.00} I had money on my credit cards. This was n't a problem and I figured it was part of " having to do business with  XXXX  ''.     During that time, due to funds being on my credit cards, my  credit score  took a temporary dip to  XXXX , which I was also okay with knowing that the money was going to be paid off. But then, on  XXXX   XXXX ,  PayPal  checked my credit and said that it now was low enough to change my 21 day rolling reserve to a 5 % 90 day rolling reserve, due to my  credit score, which they caused to drop. Now I 'm almost 60 days into that 90 day rolling reserve and PayPal will not review my reserve for 6 months from when it was put on. So PayPal  is currently sitting on {$5800.00} and I 'm only  2/3rds t hrough the first round of reserves.     My average margin is well above 5 % and usually closer to 13 %, but there are times when my margin, on certain orders or through promotions, are below 5 % so I 'm taking a cash flow it. I also provide for a wife and  XXXX  kids, the money that PayPal is sitting on could pay off the loan of  one of our cars ; but they refuse to even look at removing the reserve for another 4 months even though I 've been a good customer and have processed {$180000.00} through PayPal  since  XXXX   XXXX ,   XXXX  .     When I  ask PayPal for an explanation, they say that they 've done this for multiple factors, including my credit score. This d oes n't feel ethical or honest, and does n't seem like a bank would be able to get away with this same behavior.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called  XXXX  and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called   XXXX   and Equifax they are not wanting to comply. I have inquiries from  XXXX  lenders that I have no knowledge of multiple times in one day.

Company response to consumer: Closed with explanation