vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX at Quicken Loans to go through with an application process ( since we had an accepted contract for home purchase ). She advised me that they would deduct {$500.00} from my bank account via debit for the appraisal that would come off closing costs. I agreed to all of this and she then sent me to XXXX XXXX. At XXXX on XX/XX/XXXX, I sent XXXX a text message stating that I no longer wished to continue my loan process with them, that I wanted to utilize a local lender and to cancel any appraisal that could be in the works ( although this was all the same day ). On Monday XX/XX/XXXX, {$500.00} was withdrawn from my account. I emailed both XXXX and XXXX and stated that I'd like that money refunded and my loan withdrawn. That I contacted them on Friday and ultimately they never should have taken the money. XXXX told me that she would cancel and refund me. On Wednesday XX/XX/XXXX, my current loan company told me that my loan was still in process with Quicken and that they needed to withdraw a specific loan number for them to be able to continue. XXXX was out of the office, so I spoke with a XXXX XXXX. He kept asking me why I wanted to cancel since all my paperwork was already submitted and switching now could jeapordize my close date. I stated that at this point, I wouldn't do business with their company just because of the way they do business. If I say cancel, I mean cancel. It shouldn't be that hard. He told me that he'd cancel and I'd be refunded minus any 3rd party fees. That same evening ( XX/XX/XXXX ) I received an email from Quicken to check out my appraisal. So now I know that I'm not going to be refunded since they had the appraisal done. Although I did tell XXXX that I shouldn't be on the hook for an appraisal they ordered after I'd withdrawn my consent. - This is a FHA appraisal, and I'm going with a conventional loan, so this appraisal doesn't do me any good. I can't use it. Nor should I have to be responsible for an appraisal dated XX/XX/XXXX when I canceled on XX/XX/XXXX. I reached out after I received the appraisal to XXXX and XXXX stating that I still wished to be refunded and wanted the names/contact information to supervisors/managers. They will not give me any other contact information but XXXX did state that she was under the impression that my loan was withdrawn and I was to be refunded per our XX/XX/XXXX conversation. I am not sure who else to contact to resolve this issue, but I want to be refunded from this predatory lender who doesn't do whats asked of them. Thank you for your help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I went to check my credit summary on XXXX XXXX. Their was an alert on there at which point I went to check out. It seems that a new account was opened at XXXX XXXX XXXX in XXXX OH on XX/XX/2018. It was for a total of {$130.00}. I immediately went and sent the bank a registered letter that I did through XXXX XXXX. This was mailed on XX/XX/XXXX and I haven't heard one thing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MI

Complaint narrative:
This company ( XXXX XXXX ) calls SEVERAL times per day and it is overwhelming. 

The calls are as follows ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX Saturday, XX/XX/XXXX XXXX XXXX ; XXXX XXXX   and XXXX XXXX. 


Calls also came from : ( XXXX ) : Friday, XX/XX/XXXX XXXX XXXX and XXXX XXXX I have picked up and asked them to stop calling, the calls persist. 
Just on XX/XX/XXXX alone, they called me SEVEN times in less than a 12 hour period. Of those calls, 3 times in 35 minutes!!! 

This company is NOTORIOUS for calling nearly 10 times per day, at this point I have had enough and decided to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I had sent two ( 2 ) certified letters to ( XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ) : Letter one ( 1 ) was asking for the validation of debt. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) then responded by mail with just a letter dated XX/XX/2018 in response to my first request. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Did not include any original documents pertaining to this alleged debt. 

Letter two ( 2 ) was mailed on XX/XX/2018 to cease and desist communication with me because they have not sufficiently shown or provided proof of this alleged debt with original documents. 

Now, on XX/XX/2018 I received a new letter from ( Resurgent Capital Services ) which is another " company '' working with " XXXX XXXX XXXX '' in response to my second certified letter as they have said in the most recent letter mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I purchased a 5 year ARM mortgage with BMO Harris on XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 percent and took a loan of {$240000.00}. I was told that my PMI would be automatically cancelled as soon as my loan to value reached 78 percent. That seemed to be true from the contract I signed. The contract said, PMI will automatically terminate on the day the principal balance of your loan is first scheduled to reach 78 % of the original value of the property provided your loan payments are current. This date is XX/XX/XXXX. There is no mention on how any extra payment would be handled. 

I paid extra almost every month towards the principal. Now my Outstanding balance, as per Bank 's own statement ( {$200000.00} as of last statement ), is less than 78 percent for last few months. But Im still paying PMI. BMO-Harris is not considering the extra payments I made towards principal. I think that against CFPB norm/rule, as per CFPB website itself. I tried to resolve the issue many times with the bank. But the bank insists that I have to pay PMI till XX/XX/XXXX. My 5 year ARM term would end on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: RateGenius Loan Services Inc
State: FL

Complaint narrative:
Friday XX/XX/2018 I was looking to find a better rate for my car loan on Rate Genius. I got to the part where it asked me to inter my SS number. I read the discloses which indicated that there could be some hard credit pulls by different financial institutions. I did not enter my SS number and closed the page because I didn't want hard pulls on my credit history. So I get a notification that XXXX XXXX XXXX pull a hard credit check. Spoke to the credit union and they informed me that rate genius sent them my information. Called and spoke to Rate Genius they told me that they work with the credit agency 's and all the need was a name, address and birthday, which they ask for prior to getting to the SS number, and they can pull the SS number without the public entering it into the portal. I find this to be very sneaky way of trying to get business. Now I have to dispute the hard inquiries and waste my time with this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My name is XXXX XXXX. I inherited my grandmothers home which is in a current short sale process. The loan originated with XXXX and the service provider is Bayveiw. The address is XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Loan # XXXX I have been in contract for over 2 years trying to sell this property. The previous purchasers backed out when we found out there is over a {$32000.00}. tax lien and a fraudulent deed was recorded and a quiet title suit is required. I do have an all cash buyer who is willing to take these issues, and we sent an all cash offer over a month ago. The loan was reassigned from XXXX XXXX to a asset manager by the name of XXXX XXXX. She has not returned any of my calls nor has she returned calls to the attorney of XXXX who has been diligently trying to close this problematic transaction!!! Since then Ive dealt with squatters and had the XXXX XXXX electrical inspector shut electrical to the property because the squatters bypassed the fuse box and hard wired the home which was a fire hazard. Now the purchaser has the additional expense of bringing the entire electrical service up to code. Im frustrated because the tax lien is accruing interest daily and no attemp for communication has come from the new asset manager to assist us to sell the house. Its very strange because the between the huge tax lien, a quiet title action, over {$100000.00}. Repairs to the house and no C/O its defineately in everyones best interest to close promptly. This has been the most horrible experience over the last two years where weve had numerous other problems with Bayveiw if you want to check the history, Ive filed two other complaints which were resolved because of your involvement. I would appreciate any assistance on this matter greatly. My mother has stage XXXX XXXX and I am a single mother of a XXXX year old. I take care of them both. It would be a tremendous load off my shoulders to get this house sold and closed!!! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I lost my job on XX/XX/2018. I completed a Loss Mitigation package with loanDepot, who sent acknowledgement of receipt of the completed application on XX/XX/2018. I have called several times to get a status of the application, but only receive a recording stating that my loan is with an underwriter. They continue to send notices of intent to foreclose even though every time I call they tell me the same thing. I also consulted a HUD adviser that informed me that they are obligated to decision the application within 90 days and it has been more than 120 days since I completed the application.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Equifax Executive : With all do respect, I tried to use your website in its online dispute section but it appeared clearly you restricted my access to it, because I tried every day or days to use it and there is no valid reason to deny my right to use that public service offered to others ( I put exactly my basic information, address, ssn, dob, email and phone ), the other alternative is every time I call your Equifax representatives either need more training or they alter and manipulate my dispute argument of the only negative item on my Equifax credit report ( collection ) ( I never been late on any payment for any business I deal or dealt with and thats including XXXX And I challenge XXXX and Equifax to prove I canceled the auto payment to that referenced XXXX account on the above collection ( please find name of collection and other details in some of the files attached ). 

Also if XXXX was convinced I was right when my ligitimate Request from XXXX to prove I canceled the auto payment to the account referenced in that above collection, made XXXX face the truth its unexplained targeting of my person despite I didnt cancel auto payment they have from my XXXX XXXX credit card ( ending In XXXX as you can see in some of the attached file ) information for the auto payement to that account in the collection. That credit card still open never changed its number and always has couple thousands available. 

The issue with Equifax is to address This unexplained wrongful investigation of my dispute that causes continues adverse action against my person and that is for no benefit to anyone. I am suffering from your Equifax dispute intake staff. So far two requested same dispute to why you should delete that collection like XXXX did and as you can see in attached files.

Please stop my struggle for keeping my clean financial records as always it has been. Im I asking Equifax too much?

the calls to equifax were recorded and I have a privileged recording of it too as Equifax has and it should listen to it when I called Equifax and itS intake Representatives each time struggling to type my very important dispute argument or pretending they cant hear or other unethical manners. They keep stating things I didnt say and that make XXXX easily show the argument dont stand. Please be ethical. 



Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Last year on XX/XX/XXXX I noticed my credit score decreased by XXXX point. I researched the issue and found it to be because of a {$310.00} medical bill that had gone to collections. I contacted the collection agency immediately and it was discovered they were sending notices to an old address so I never received the notices. They didn't care. I was willing to pay the bill, but wanted it off my credit report. They said no. I contacted the original hospital and the anesthesiology group. Everyone had the wrong address because the hospital neglected to update my records the day of the procedure. I provided the right address to everyone at that point, but no one would help resolve the issue. I actually have a copy of the official medical records that show I provided the hospital with a copy of my Driver 's License with the correct address. After numerous calls, I gave up last year trying to fix this. I decided to pay the bill today, XX/XX/XXXX with the credit agency because I owe the money. They said it was past the time limit to collect. I stated that I always wanted to pay the bill because I owe it. I just want it off my credit report because I never got a bill from the anesthesiology group or the credit agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I have been asking FedLoan Servicing for a recount of my number of qualifying payments for the XXXX XXXX XXXX XXXX XXXX program since XXXX. I call or email about once every other month requesting the recount. I've kept a record of all of these phone calls for the last year. And, I've also kept sent receipts for all of the email I've sent on the subject. Every time I call or email, XXXX responds that they will do a recount. But it's been over two years now, and I'm concerned the information will become more difficult to track as time goes on. 

When I have talked with a manager at XXXX XXXX in XXXX of XXXX, he did agree that the number was definitely wrong, and we agreed on the correct number. But the change was never made to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NJ

Complaint narrative:
On or about XX/XX/2018 I sent written correspondence to First Investors providing clear instructions on how my future over payments should be applied. First Investors has failed to acknowledge said letter and apply subsequent over payments as instructed.

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 2018-09-24 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had an XXXX System installed by an authorized Carrier installer that offered 36 Months zero percent financing through Wells Fargo. When I enrolled I was told that if I pay down my balance the monthly amount would change based on the balance and remainder of time. about my 3rd payment I payed down more that half my balance but the monthly charge stayed the same. I contacted Wells Fargo and they stated the they do not change the monthly payment. They stated this is NOT a credit card but my statement says the credit card. And they sent me an actual credit card. This is deceptive and wrong! 

I would like to get a copy of my recorded phone conversation and the inception of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: NJ

Complaint narrative:
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number To whom it may concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

Alltran/United XXXX XXXX has been calling my XXXX XXXX XXXX XXXX who has terminal XXXX at the number XXXX XXXX on a daily basis. Under the eyes of FTC this is harassment and defamation of character. I have no accounts with you and have received no documentation that I owe any monies to your company. You constantly harass and XXXX XXXX XXXX man that can barely speak due to the fact that he is in the end stage of his life with XXXX XXXX! 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey and New York Attorney Generals office. Civil and criminal claims will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: NJ

Complaint narrative:
On XXXX XXXX it shows that my balance on my Auto Loan increased {$270.00} between XX/XX/18 and XX/XX/18. It went from {$17000.00} to {$18000.00}. I pay at least 14 days early every month and my interest rate has dropped due to good payment history. I was not offered a reason for the increase. This caused my credit score to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Payments were issued to XXXX XXXX XXXX and they refused to remove the derogatory information as agreed. They've contested a request for removal from all three credit reporting agencies. Attached please find information regarding this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
XXXX XXXX XXXX showed up on my credit report with the acct number of XXXX in the amount of {$1500.00}. I have no knowledge of this account please have them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
On XX/XX/18, contacted this company via phone because this item has been reporting in my credit report and to notify them that this account was opened as a result of fraud. I have completed an identity theft report via the ftc.gov listing this account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX 's showed up on my credit acct number XXXX on XX/XX/18 with amt od {$0.00} please have them remove this acct. I do have a XXXX acct but it is a different acct number and this one is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I am behind on my loan payments to One Main Financial. They are illegally calling my family members. 
They have called my mother in law twice. They talked to her once about my debt and then left a message the second time. 
Then today they called my father in law and left a message. 
The person making these calls is XXXX XXXX from One Main Financial Office in XXXX, TX XXXX I have not given them permission to contact my family! I told them on the phone I am currently unemployed and not able to make any payments at the moment. 

XXXX XXXX.

Company response to consumer: Closed with non-monetary relief