vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
I had a previous account with Gas south which was paid off to the original creditor and Contract callers stated i owed them money and put a collection on my credit profile and after i showed prove it has been paid off to the original creditor XXXX XXXX. Contract callers updated my collection status on my credit as paid in full instead off deleting it Because i never owed money to begin with.

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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX My father XXXX XXXX XXXX and I spoke to the Chase Bank Mortgage Department about the requirements to remove the PMI from his conventional Chase Mortgage. The account # XXXX We were told that I could pay for the appraisal by calling into or sending a check via mail with the documents the agent requested to be mailed to my fathers home at XXXX XXXX XXXX XXXX, XXXX UT XXXX. 

We were never told the paperwork would expire, nor were we told that the Chase Bank PMI Policy violates the Homeowner 's Protection Act for Borrowers with Private Mortgage Insurance for Loan closed on or after XX/XX/XXXX. 

The Homeowner 's Protection act states that the value in which the PMI will be removed is 80 % yet in Chase Banks forms it states in order to remove PMI the appraisal has to come in at 75 % LTV in  order to have the PMI Removed even with an appraisal paid by the borrower to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have tried to make large payments on the account beyond the payment plan. When I do, and mark it for principal only, they ignore that and apply only a portion to principal and the rest to interest. 

I called twice and each time they basically said " tough luck, '' that's how they process it. They flatly refuse to apply all extra payments to principal only. 

But the problem is, if I am making a XXXX or XXXX payment in order to pay off the loan faster, they're charging me incorrect interest - more than they are entitled to under the terms of the loan. 

They're taking out interest on a loan that will take another thirty years to pay off, instead of a loan that takes less time to pay off, because I am paying it off faster. In other words, they are collecting more interest than they should. 

They refuse to apply the additional principal-only payments to principal only. They always apply some of that payment to interest based on the loan taking another thirty years to pay off, even though if they applied my additional principal-only payments, the loan would take less than thirty years to pay off. This is the equivalent of a mortgage company refusing to apply principal-only pre-payments on a thirty year mortgage and always taking a % of those payments for interest calculated on a thirty-year loan, regardless of how fast the loan is actually paid off. 

I have been paying down the loan for twenty years already!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank has given me 5 and I repeat 5 different stories on depositing checks availability. They DO NOT TRAIN THIER PEOPLE AT ALL TO BE A GOOD TELLER!! 
I deposited a check on XX/XX/2019 for {$300.00}, it was from my mother. 
I asked when will it be available?? 

teller 1 : We do not know, it depends on what the " back office '' decides. 
teller 2 : Possibly tomorrow, and for {$250.00} will be available teller 3 : Possibly tomorrow, and for only $ XXXX wll be available. 

I asked : My account is new, when will funds be available the next day guaranteed?? 
After 6 months!! teller 1 After 2 months. teller 2 I dont know teller 3 This bank is Pathetic!!!!!!!!!!! Talk about being vague, and hiring young kids that know absolutely NOTHING!! 

I have other accounts, it is all in black and white on funds availability, this bank needs to be investigated, and I mean NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK  XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have Walmart credit card, where I make XXXX dollars minimum payment. I recently have gone through financial hardships and have been late on making a few payments.

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 2019-04-04 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have a loan with HUNTINGTON NATIONAL BA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HUNTINGTON NATIONAL BA  with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: MA

Complaint narrative:
To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/26 - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.

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 2019-04-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/XXXX - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.

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 2019-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion repeatedly continues to report innacurute employer ( XXXX XXXX ) on credit report.

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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt equifax, XXXX XXXX and XXXX  report whatever the Credit card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: NJ

Complaint narrative:
This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt XXXX, trans union and XXXX   report whatever the Credit  card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.

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 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, Chase Bank called me about deposits made to my checking account. One deposit from a friend was rejected because his name is not on my account. I didn't know if someone sends a monetary gift & their is not on my account Chase rejects it. The other 2 deposits to my account were credited but after the one amount was rejected, Chase decided they needed to investigate where I get my money from. They never informed me what the problem was until I made several phone calls to different departments in Chase. I was finally told what the amounts were that were in question. I was able to prove that one deposit was sent to my Chase account from my XXXX account which has my name on it. The 2nd amount was sent to me by my son and his name is on the XXXX account and my Chase account. My son & I had to go to a Chase branch to prove these accounts were ours. I also had my social security XXXX check deposited in to my Chase account. Because the Chase representative that called me XX/XX/2019 obviously go upset, she restricted my account and then eventually closed the account because she was mad. My account shouldn't have been closed because the representative felt like closing it for no reason. as a result, my SSD check went to the closed account and now I have to wait 10-15 days before I get my check. I asked the Chase executive office to listen to the phone call made to me on XX/XX/2019 and that representative should be reprimanded for closing my account because she was angry and felt like making me suffer. Chase finally mailed my money in the closed account but I don't have my XXXX check. Because I didn't have access to my money I wasn't able t get my medication, go to the doctor or buy food. I'm a XXXX year old female, XXXX   and I had to go to the ER to get medication because I didn't have any medicine or money to get my medicine because Chase held my money. I have never been so humiliated, insulted, hurt and embarrassed as I was because of the way I was cheated by Chase unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have called my credit card company and they said they have never reported late payment to my credit and it shows I my credit that make my score low

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 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have a home loan that is serviced by Ditech Financial. They have been ripping me off for months through an illegal " escrow account '' and will not respond to my multiple emails about the issue. They are applying {$88.00} of my monthly payment ( starting in XX/XX/XXXX  ) each month to an " escrow account '' for " earthquake/A, '' whatever that is. I did not initiate an escrow account with my mortgage for taxes or anything else, nor have I ever requested or authorized one. Nor is there any legal basis for them to initiate one unilaterally. Our taxes are paid, our private homeowners insurance policy has always been in place. 
I recently spoke to Ditech 's own insurance services group and they confirmed there was NEVER A LENDER PLACED POLICY ON MY LOAN. They had no information about my escrow account and directed me back to general customer services. 

It's near impossible to get their customer service people to answer the phone. When I have gotten through, on XX/XX/XXXX, I was told they would open an escrow account review and it would be done in 30 days. That I would receive a copy of the review. I never got any response, despite multiple follow-up emails via their website. It's now XX/XX/XXXX. When I call the other customer service people told me they have no information, they can't contact their own escrow department, I just have to wait, etc. When I ask to speak to a manager I'm put on hold for over 45 minutes only to finally give up. 

If you look at the customer reviews of this company on the consumer affairs website it's clear this company is ripping people off all over the country through their unethical and illegal accounting practices. Some have lost their homes. It's a complete disgrace. Someone needs to do something about this and hold the people running this company accountable. Individual mortgage holders don't have the resources. 

XXXX XXXX, XXXX XXXX CA I can be reached at XXXX XXXX. XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Hello, After my debit card was many times blocked due to suspicious activity I decided to close my account. I call to the bank and they told me I would have to go to the Branch, after visiting the branch I was told that my account will be closed and I will get the check by mail after the pending transactions posted into my account.

After 3 weeks nothing happened, I don't have an online access to my bank anymore, but when I call the bank automatic service I can verify that bank account is still open and the money is there. It seem the bank doesn't want to give my money back!

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 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I visited route XXXX XXXX, spoke with XXXX he sold me a XXXX XXXX XXXX for XXXX after taking out the trade-in price of XXXX. I show him the car was valued at $ XXXX, but it was too late, sales pitch, wouldnt take no for an answer etc THEY GOT ME. They gave me a loan from Santander consumer USA for XXXX, 72 months at 20 % interest. 

Ive been trying to get out the loan for a lower interest rate for 2 years but no one will touch a loan that the loan is SOOOO MUCH more than the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I request that RICHLAND BUREAU OF CREDIT # XXXXformally substantiate account data RICHLAND BUREAU OF CREDIT conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RICHLAND BUREAU OF CREDIT desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.

Company response to consumer: Closed with explanation