vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a of victim of Identify Theft on XX/XX/XXXX. 

I filed a police report with XXXX XXXX Sheriff 's Deputy XXXX on XX/XX/XXXX. 
I mailed Experian ( along with the other two agencies ) a form letter with detailed information containing my date of birth and social security number, my current address of over 30 years, along with copy of recent utility bill, copy of my driver 's license and a copy of the Police Report that was given to me by Deputy XXXX. My letter requested a permanent security freeze be placed on my credit account. With the letter was the police report stating the file number, classification of incident, date of incident, deputy 's name and badge number, along with XXXX XXXX County Sheriff 's Station contact information. 

I sent these documents via USPS certified with a return signature form, which shows Experian received the documents on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Experian stating their refusal to place a security freeze on my account due to my police report not meeting their criteria for security freeze. Their letter stated that I should pay them {$10.00} to place a freeze instead. The sheriff deputy report clearly states the incident of the crime as a 530.5pc, which is an identify theft incident. They are refusing to acknowledge my police report in order to extort {$10.00} from me. 

I phoned Experian on XX/XX/XXXX and was directed to an over seas staff person that refused to acknowledge my claim of Identify Theft. They stated the only way I could get a security freeze was to pay Experian the {$10.00}. 

I'm left feeling like another victim of crime from Experian for their refusal to abide by California Civil Code 1785.11.2-1785.11.6 and 1785.15. and whatever Federal Laws they violated too.

I also sent same letter and documents to XXXX and XXXX, to which they initially refused to grant a security freeze, but with follow up phone calls and requesting speaking to multiple supervisors several times on same phone call, I was finally transferred to a USA based employee and able to get the security freeze placed on my account from both of them ( 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 explanation
Consumer complaint received 2018-05-16 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
went to XXXX XXXX to purchase a pick up and they made 8 hard inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the mother of XXXX children with savings accounts in your institution. In XX/XX/XXXX, I went into a branch in Florida and opened XXXX custodial accounts. I have been struggling since then to save money for their future as every month Bank of America takes {$5.00} monthly fee from each account. At times, putting me negative and I have to add more money to just have a positive balance. To my dismay, I just found out that this is something that was not supposed to happen and the account was opened in XX/XX/XXXX incorrectly by the financial representative. The person put my date of birth instead of my childrens date of births and due to the representatives error, my children have been financially affected. Bank of America has been stealing my childrens money for years. I have been trying to save for their future, college, etc and it is to the point where I had to open accounts elsewhere because I am fed up with the theft of my hard earned money. 

I called Bank of America and was told that they could not return my kids money for the years that your institution has stolen from me. They could only go back to XX/XX/XXXX. How is this possible? The money that was stolen was not BOA money but my childrens future funds. Bank of America has been robbing us blind for years and will not do the right thing by reimbursing the service maintenance fee since the accounts have been opened as well as any negative balance and overdraft balance paid. As a Bank of America customer since XX/XX/XXXX, I am appalled at how this institution can rob childrens accounts and do nothing to fix it. I even went to an actual branch today and was told they could only do an incident report and wait 14 business days to see IF it will be decided to refund money that WAS NOT YOURS TO BEGIN WITH. I hope that this email reaches someone that can do something to change 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 monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
MrCooper LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX I called in on this file because we should have had an approval letter a month ago the buyers accepted MrCoopers counter offer and an addendum for the new purchase price and a matching HUD was sent on XX/XX/XXXX and XX/XX/XXXX. 

Nothing has been done on the file in the last month. They claim it has been approved but no one will send us the approval letter. **WE ARE HAVING THIS PROBLEM ON ALL OF OUR MRCOOPER FILES NONE OF THEM ARE BEING WORKED.

We have been told by multiple managers that they have shut down one of their facilities with no notice to rest of MrCooper employees. MrCooper is grossly understaffed and can not process their current file load. When questioned what was going to happen with properties currently in foreclosure, we were laughed at and told Too bad they're just going to have to go to auction because we don't have anyone to work the files. They thought it was funny that no one was going to work on the file and these were all going to go to foreclosure CC : CA State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called XXXX XXXX XXXX in XX/XX/XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX   if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude  by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
went to XXXX XXXX to purchase a pick up and they made 8 hard inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: WI

Complaint narrative:
Spoke to two individuals ( senior manager and manager ) at XXXX until XXXX on XX/XX/2018. 
I contacted IQ Data International about settling on an account they have of mine. They said my offer was to low and offered me 20 % off as settlement. I informed them I was not able to pay that at this time and would continue to save and call them in a couple months. The gentleman I spoke with said that he was going to see what else he could do and put me on hold. A woman come on and said that they had offered the lowest rate they could of {$2600.00} with a credit deletion and asked why I wouldnt take it. I explained I would not be employed for four months and could not commit to monthly payments on top of the {$1500.00} I was offering and that I would call again when I had additional funds. She told me that if I did not take the offer they had give me today that I would have to pay the full amount of {$3400.00} with no credit deletion. I told her I wasnt worried about the deletion, just that I had hoped to settle the account. She told me that if I didn't settle the account for the amount they were offering and take the credit deletion I would have a hard time getting a loan, finding a place to rent, etc. and that I would have to pay the full balance and that interest would continue to acrue. I told her I had spoken to a She said she'd been doing this a long time and that my credit would be effected. I told her that I was not able to commit and she stated she would notate my account that I was refusing to pay and she would take further legal action against my husbands gainful employment. 

I felt threatened despite having offered them {$2000.00} and monthly payments in XX/XX/XXXX that they refused. Now I have {$1500.00} and can not commit to monthly payments as my income will decrease during the summer. They also refused that and countered with offers almost {$2000.00} higher with a credit deletion. When I couldn't commit they told me my credit would be impacted, we wouldnt be able to rent or buy or get a loan and that she was going to take further legal action against our gainful employment. She also stated that they could call us repeatedly at home or work if I wasnt going to agree to the offer they gave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i submitted 2 times for a modification. They will not accept my husbands income.he lives with me and he contributes his salary. This is contrary to policy ...

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 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
1. I received a collection notice in XX/XX/XXXX from Aargon Collection Agency. 
2. The collection is {$120.00} and filed by XXXX XXXX. 
3. I called Aargon Collection Agency and spoke to XXXX at extension XXXX on XX/XX/XXXX. 
4. XXXX stated the collection is for a XXXX XXXX issued to my XXXX daughter on XX/XX/XXXX. 
5. I told XXXX we never received a bill for the XXXX XXXX and furthermore, we would take our daughter to the doctor 's office and not XXXX XXXX. XXXX XXXX is a supplier of medical supplies. 
6. Any outstanding medical payments not covered under insurance would have been and have been paid to the applicable physician. 
7. XXXX stated XXXX XXXX is the worst of their clients and the number one complaint from individuals like me is because XXXX XXXX does not send out bills. They employ the collection agency rather than bill individuals themselves. 
8. This charge is 24 months old. We pay our bills. I am disputing this charge and feel after 24 months of no notification we should not be responsible for the lack of responsibility on the part of 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 explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to modify my home loan with Bank of America. I filed all the paperwork required and was told I was denied a modification on XX/XX/2018. Other calls to the bank indicated the modification was with the investor and we were waiting for an answer. I can not get any straight answers from the bank. I am scared as my home has a sale date in less than 1 month. Bank of America has not been helpful at all. I keep getting the runaround.

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 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to my local ATM at my bank to make a cash deposit on XX/XX/2018. The ATM was located at XXXX XXXX XXXX. in XXXX Texas at the BBVA Compass bank. The ATM number is XXXX. It was approximately XXXX CST. The deposit was for {$1100.00} in cash. I used my ATM card to deposit to my checking account and the first time it took the whole deposit and then spit back the {$1100.00} in bills but kept the {$65.00}. I assumed it was cause they were not able to be counted the first time and so I attempted to make the deposit of the {$1100.00} immediately thereafter. The ATM machine took a total of {$1100.00} and didn't give me a receipt showing the deposit. I immediately tried to get a statement to see if the deposit went through but just didn't provide a receipt. No deposit was showing on my account. I called the bank numbers and was NOT able to get a live person to let them know what occurred. I did reach out by XXXX and then called and spoke to a representative first thing Monday morning, XX/XX/XXXX. They stated they would begin an investigation. I was given a dispute reference number of XXXX. I never received a response and finally reached back out. They told me they dispute had been closed and they didn't find anything when speaking tot he bank or looking at the ATM machine. I spoke to another representative and asked for them to reopen the case. I was given another dispute reference number of XXXX. I was told at that time that they did in fact find {$65.00} in the ATM machine but didn't let me know about that cause I had made a claim for {$1100.00}. I then filed a complaint with the OCC and they indicated that I should contact the CFPB. I was contacted again today via XXXX by BBVA Compass and they indicated that they have found no evidence of the deposit in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the car was in the shop for over 40 days getting the faulty motor replaced. In XX/XX/XXXX it was " Presumed '' a Lemon and GM on XX/XX/XXXX offered a Collateral Trade. This trade was contingent upon getting my lender to agree to the trade. Since that time I have called GM Financial on many occasions, explaining what I needed. They would note my account pass me on to various department and no further action would be taken. Occasionally I would get someone who had some idea of what department could help me, and I would hold for long periods of time just to hit a dead end. Someone would give me another phone number to call which just got me to the same main line. In XX/XX/XXXX of this year, my Dealer Rep. XXXX XXXX of XXXX XXXX received instruction from GM Financial to complete a collateral trade info packet and fax it to them. After faxing it two different time, we had confirmation that the package was received and they would contact me when they were ready to move forward. After numerous emails to XXXX XXXX in Loss Mitigation, XXXX responded on XX/XX/XXXX and said she could initiate the dealer exchange process, as long as I understood that they would NOT issue any funds for the exchange, which I agreed that I did not expect them to do that. On XX/XX/XXXX my attorney who is representing me for the Lemon Law negotiation submitted a Letter of Representation to GM Financial per their request before they would talk to him. Following that GM Financial will not talk to me since I have representation, however they also are returning calls to my attorney and we are unable to get any status updates or answers. General Motors has now closed my claim due to no action and my attorney is indicating he can't complete the transaction he negotiated because my lender is non responsive, but he needs to be paid since the attorney fees due to him were built into the lemon law case. 

The dealership and my attorney have provided GM Financial with all the requested documentation that they have been asked for in a very timely manner, then told that they would initiate the trade approval, and since then nothing, which could now cost me thousands of dollars in attorney fees because my lender refuses to give approval on what is obviously a good deal for my loan. A XXXX XXXX clearly holds a higher value than a XXXX XXXX with XXXX miles on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have an auto loan with Wells Fargo. I received a call from them on Saturday, XX/XX/XXXX when I was out of town so I called back Monday, XX/XX/XXXX and setup a payment dated for Friday, XX/XX/XXXX to take care of my XX/XX/XXXX payment as well as pay extra towards the principal. This afternoon, XX/XX/XXXX, I received a collection call with them trying to collect and make arrangments on a payment I already setup. When I advised that I had a payment setup, I was told that I'm still delinquent and they have to ask why I'm late. I was never explained to why I received another call and was just told it will be taken as a promise and I won't be called back. It felt harassing to me after I have already setup arrangments and an apology for the call was warranted. If my payment was accepted by Wells Fargo, I shouldn't get calls asking for the same payment two days later.

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 2018-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I started paying on these loans on XX/XX/2012. Total payments towards Navient equal {$14000.00}. The balance of the loan remains almost at the same amount when the loans were first taken out. 

I also filed a complaint with Navient regarding the loans because some of those loans i don't recall signing for. When i was attending XXXX XXXX, i was paying XXXX over {$950.00} per month using my Gi Bill. On top of that, these loans were taken out for no reason, i was paying 100 % of the fees due to the school.

Attachment shows payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC
State: AZ

Complaint narrative:
The original Creditor, XXXX XXXX XXXX located in XXXX XXXX, XXXX which is owned by XXXX XXXX XXXX, sent me to collections on XX/XX/2014. The company they are using to collect the debt is Columbia Debt Recovery located in XXXX XXXX. The original amount owed to XXXX XXXX was {$1800.00}. Columbia Debt Recovery has been charging interest on the amount from the day it was handed over. I have reviewed the contract I signed when entering the lease for XXXX XXXX and did not find any language that would indicate Columbia Debt Recovery was legally able to charge me interest. I have reached out to Columbia Debt Recovery and asked them to verify where in the agreement it indicated they were able to charge interest and the representative agreed with me and said he did not see language either and I should not be charged interest. When I asked to have my report display the accurate information, I was told they would have to get approval before updating it and never heard anything further on it. 
Since I was getting no where with this company, I submitted a dispute through transunion citing an incorrect balance as the reason. Once the dispute was complete it was updated with a note that the balance would be corrected. Instead of actually correcting the balance, they added on to the balance, making it higher. 
I am getting nowhere with this company and what they are doing is against the FDCPA. I get an update that my balance has gone up monthly, It has a negative impact on my score and will continue to be detrimental every time they raise the balance with their bogus interest charges. The original balance was {$1800.00} my balance now with the fake interest charges is {$2900.00}.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16 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: Guild Holdings Company
State: GA

Complaint narrative:
I paid my mortgage and Guild Mortgage still reported it 30 days late. I paid after hours but on the date. I showed them proof and everything and they still haven't fixed it. I want them to update that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: TX

Complaint narrative:
I have submitted a dispute complain to transunion to remove inquires from my file because they were not supposed to be there but they refused with out any explanation. 
file a dispute XX/XX/2018 and waited for month.

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