vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IA

Complaint narrative:
I twice disputed with XXXX a line of credit loan that originated with Pentagon Federal Credit Union in XX/XX/XXXX and paid off in XX/XX/XXXX, in which I requested removal of late notations on payment history on XX/XX/XXXX in a letter to Pentagon Federal Credit Union. The letter spelled out the reasons I thought payment history notations should be deleted. 

In the meantime I received an undated and unsigned letter with the envelope dated XX/XX/XXXX from  Penfed 's mortgage records department with closing papers from this old loan signed by me in front of a notary XX/XX/XXXX. The letter stated that an audit had revealed that I never received these closing docs back from Penfed after closing. 

This loans purpose was to establish a line of credit for me as part of a modification of an existing loan to be paid off. The interest rate was more than if I was to do a regular fixed rate home equity loan but found it attractive that I would be able to use excess for a line of credit as needed. Unbeknownst to me because I had no loan papers from Pentagon Federal showing they closed my line of credit a week or so after I closed on loan and I would n't be able to use the loan as I expected. This would have come in handy in months where I was short and could have made a payment. 

I believe there are issues with Regulation Z compliance regarding how the closing docs were n't released in a timely manner.

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 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: IN

Complaint narrative:
I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.

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 2017-10-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was on XXXX and successfully obtained my XXXX  and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again. 

Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I filed XXXX XXXX in Bankruptcy Court ( XXXX )XX/XX/XXXX, with a creditor 's meetingXX/XX/XXXX, which was not attended by XXXX XXXX XXXX or their representative. ( NOTE : Creditor 's meeting has been continued to XX/XX/XXXX ). I requested a loan modification in US Bankruptcy Court XX/XX/XXXX, and wrote a letter dated XX/XX/XXXX documenting my request as no one from XXXX XXXX appeared in court. The bank responded by providing a loss mitigation application to lower the 14 % interest rate, in their letter dated XX/XX/XXXX. I returned the application XX/XX/XXXX, via certified mail ( received XX/XX/XXXX @ XXXX in XXXX , TN ), and that same day the bank secured a Motion for Relief From Stay to be allowed to foreclose on my loan of 8 years. I believe that the bank, 21st Century Mortgage, has participated in Dual Tracking as the application for loss mitigation has not yet been reviewed, while simultaneously securing an  order to overturn the automatic stay in US Bankruptcy Court for the sole purpose to initiate and expedite foreclosure proceedings. I had also contacted the bank XX/XX/XXXX, seeking assistance in this matter. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: TN

Complaint narrative:
I filed a dispute with XXXX in XXXX 0f 2017 on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with Transunion the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX working my way up to a over XXXX score and all of a sudden my score has dropped 50 points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties

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 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have transmitted Affidavits, including certificate of Authority and a Factualized Trust to Capital One Auto Finance via Registered Mail As of date, they have failed acknowledge, respond or attempt a resolution for this matter but continue to leave threatening message on a daily basis. 

I have attached some documents I have sent to Capital One Auto Finance, please supply a secured email to provide all documents. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XXXX XXXX a check was sent to Navient via certified mail. The check arrived and was withdrawn from the account the the XXXX. The check had the account number in the memo line. After not seeing the payment post on my account, I contacted Navient and was informed that they dont have record of the payment. They requested a bank statement to confirm the money was withdrawn. I refused to send a statement as the check was written from a business account and I find it ridiculous that the company was able to deposit the check and now expects me to send more financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We started loan modification process with Bank of America in XXXX XXXX. Trial period was scheduled for XXXX months XXXX, XXXX, XXXX. After that if we paid as requested are loan would be modified. 
During trial period we received letters from Bank of America that we are late paying our loan, which made no sense to us because we paid everything on time. We contacted loan modification department XXXX times after receiving late notices but every time we were told to disregard these notices because all payments were made before due date Timely payments were actually requested in order to qualify for the loan modification by Bank of America. 
Loan modification was approved by BofA in XXXX XXXX. 
Couple months later we asked XXXX Bank to modify another equity line of credit and were shocked when told that we have XXXX late payments on our loan with BofA. Our credit scores dropped around XXXX points. 
When I reached to BofA they advised me to file a complaint with credit bureau and their banker told that she had this same problem with her loan medication. 
I filled a complaint with XXXX and received their response XXXX XXXX. They said they contacted BofA, supplied them all relevant information and documents I sent with my dispute and instructed them to : review all information, verify the accuracy, provide response and update records and systems as necessary. 
After response from XXXX XXXX called BofA twice. First time in XXXX was told that they will investigate my dispute and notify me. Second time on XXXX XXXX, XXXX when after being on hold for XXXX min customer service representative told me that I have a wrong number ( number was from our statement ) and connected me with someone responsible for equity lines. This person told me that reporting was correct because we were making payments requested by the loan modification department which were different from original payments. She also told me that our loan modification processor should make us aware of that. From the bank point she said everything was done properly. 
From my point it 's a nonsense. Why we should be penalized so severely XXXX credit scores down XXXX points ) by BofA for modifying the loan? Why we were not notified before starting trial period by BofA that our credit will be so negatively impacted? We would be glad to continue paying original payments and modified payments to avoid ruining our credit and have problems applying for credit in the future. 
We still waiting to get a response in writing from BofA regarding our complaints.

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 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a case against XXXX. They are a debt collector that I have had been having several problems with. They are currently reporting to the credit bureau that I owe them a balance. Every few months, they errenously report a change in the balance ( usually by {$1.00} or more ) which also negatively shows on my report. 

I have also written them several letters asking them to verify the debt ( which they have failed to respond to ). 

Companies have 30 days in which to verify the debt ( which they ignored ). They have also failed to report it accurately ( the amount changes and the fact that the initial debt isnt mine ). 

They have 2 accounts, form XXXX funding and they need to cease collections and clear the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I specific told them please do n't call my family member for my personal debts account, they call my brother and told them I must called them back regarding my debt and the amount, my brother told them they had the wrong number and to contact the right person but instead she kept insisting to give my debt information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, XXXX, I called the customer service mortgage department at XXXX Bank. 
My call was to inquire about a {$14.00} fee that was added to my mortgage in XXXX of XXXX. 
I spoke with a woman named XXXX XXXX, who explained to methat due to my XXXX mortgage payment arriving 30 days late, XXXX Bank needed to send someone out to my home to see if I had abandoned my home. Because of this, I will be responsible for paying a {$14.00} fee. 
She proceeded to tell me that I am lucky to not have XXXX other charges since I am " always late. '' This concerned me because I have only been 30 days late with my mortgage XXXX time in almost 4 years. 
I also feel that XXXX Bank sending someone to " check my property " for signs that " I still live there '' was very intrusive. 
I was called as many 3 times a day in XXXX of XXXX as well as having XXXX letters mailed to regarding the same issue. 
I would like to have the {$14.00} fee removed. I would also like to know if the banking industry has the right to call multiple times, send letters and now come to your residence to spy for " signs of someone living there '' and charge the customer a fee for this?

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 2017-10-11 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
convergent outsourcing has illegally re aged alleged debt. A collection account is reporting as open on my credit report. Which is illegal and false information. I did n't enter into a contract with a debt collection agency. This false and deceptive practice had hurt my ability to obtain credit. They are reporting XXXX accounts from comenity bank and XXXX account from XXXX as opened by me. They also re aged the debt as if I recently opened these accounts once they were sent for collection. They claimed to have sent me verification of these accounts which is false. A collection account can not report as open that violates the FCRA and the dates and amounts are incorrect. I 've stated this for months and there was no proper investigation ever done. Also no resolve to my complaints. The only thing left for me to do is to seek punitive damages for what this has cost me. Since you wo n't investigate I have to make this a legal matter.

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 2017-10-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I started a Loan Mod with Seterus and I also applied for hardest hit fund. I Luckly got accepted for Both. I signed Paperwork and Seterus took the money and used {$6000.00} and sent it back to Hardest hit Fund. Saying they couldnt use the fund but took {$6000.00}. And then sends me a letter saying i owe {$1500.00} in escrow money. When hardest hit called they said i do n't owe anything. 
They took XXXX and created a Deferred Principal Balance to be paid at the end of the Loan. When they could have used the hardest hit fund to the Principal.
They told hardest hit fund they could n't use the help and now they are asking me for the money.
Seterus is running a scam to overcharge customers. House is not on the Fair Market Value. Fair Market Value of the house should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: CT

Complaint narrative:
On XXXX/XXXX/XXXX i checked my credit report and noticed that an account that was DELETED on XXXX/XXXX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Experian " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Experian confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX! Also the account XXXX XXXX XXXX is a fraudulent account that i have advised multiple times does not belong to me and was open fraudulently. i also advised multiple times that the name XXXX XXXX does NOT belong to me! I demand this account & name be removed ASAP or legal action will follow!

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 2017-10-11 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX, XXXX XXXX and XXXX we on my report. Number one I XXXX XXXX XXXX because I have no XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports.
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of CONSUMER PORTFOLIO SVC, XXXX XXXX and XXXX we on my report. Number one I ca n't drive because I have XXXX XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation