vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Dear Sir/Madam : I have a mortgage on a 1 family house and XXXX is the investor, My mortage used to be serviced by Seterus but inXX/XX/XXXX it wa switched to Mr. Cooper Please review the following account XXXX. Mr Cooper has denied me a modification because I had a modification before due to unemployment. 

Mr Cooper denied the modification XX/XX/ I was behind 10 months due to unemeployment but last week I gave them {$7000.00} Today they refused to take another {$6000.00} from me that my wife cashed out of an retirement account Mr Cooper wants me to send them the a partial payment of {$12000.00} to bring the account within 90 days or the full amount {$17000.00} by XX/XX/ or else they wont take a payment from me I need to raise another {$6300.00} to XXXX XX/XX/XXXX will be 30 days from the day Mr Cooper denied me the modification After that they will send their lawyers a request to serve me with foreclosure documents I always have a hard time getting them to give me an accurate deadline to bring the account up to date One lady in the underwriting dept. told me that in some states they can send foreclosure papers to their lawyer and a sheriff can give me 24 hours to vacate the premises. 
She also said that if I want to keep the house at that time I would have to make full payment to bring the account up to date and I would be responsible for their lawyers fee. 

I am considering getting a mortgage lawyer to represent me because we want to keep the house and it is our primamry residence. 

I work as a temporary consultant because it has been hard to get a full-tme job and over the last 7 years I have been unemployed a couple of times. 

I am interviewing and should have a new job on XXXX XXXX in a couple of weeks but need your help to get on a payment plan where I can make bigger payments every month to bring the account up to date Can you help me? 



Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am 60 days past due on XXXX/XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I keep receiving that they were working on my disputes and did not change anything XXXX was the confirmation number I received and the said that they had resolved it and did nothing I cant even view it I get its an error of it is currently unavailable what type of XXXX is this then when I finally got in today I got that I had no disputes I believe they discarded my info. And did not even work on my disputes. I had sent them proof and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I paid the lease perfect at the end of the lease i turned in the car and verified with Ally Bank that no additional funds were owed. With no phone calls, letters or explanations an charge off was put on my credit. I disputed it with the credit reporting agencies ans Ally said it was charged and then paid. I never paid it and i never had a amount due or to be charged off.

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently opened a Bank of America checking account again after it closing in XX/XX/XXXX. I had been with that banking institution since XX/XX/XXXX. Well I went to deposit my payroll check inside my local Bank of America branch that I have gotten since XX/XX/XXXX and was told since it was a new account that I could cash out {$200.00} and would have to deposit the rest. Then I got a receipt from the bank teller stating the funds would be available on XX/XX/XXXX at XXXX. Well I woke up the next morning and saw my online banking where the hold was extended to XX/XX/XXXX at XXXX XXXX and was not told why this hold was extended. I have contacted several people at Bank of America who will not give me a simple straight answer. I got my payroll on XX/XX/XXXX and they indicated that they have sent the necessary files to validate my payroll funds and I still can not get access to my payroll check. I went to a local branch today and was told by the Bank of America 's assistant manager there that I should go put a stop payment on my check and drive out of town to the XXXX XXXX XXXX Bank Location to cash my payroll check. My employer is with the XXXX XXXX XXXX and a XXXX and uses XXXX XXXX XXXX to pay us our payroll checks. I have gotten no resolution whatsoever from Bank of America and they still will not explain to me why my payroll check had a hold extension placed on it.

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 2019-04-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent Experian, XXXX, and XXXX all three letters stating that my payments in XXXX of XX/XX/2019 to XXXX XXXX XXXX XXXX were paid XX/XX/2019 and, were not late as, the payment was not even due to tell XX/XX/XXXX on my credit card, and XX/XX/2019 on my personal loan. I actually paid more than the payment required of me. I have enclosed my Bank statement the shows I paid on all of my accounts, the day I put money into my account payments went to each. I asked all three credit companies to please correct this issue as, I was not late, on my account in XX/XX/2019.

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 2019-04-29 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:
Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 20 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX -XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 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:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due

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 2019-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2017 i make a huge mistake i had an emergency on my family so i decide to get a loan towards my vehicle tittle but i never thougt that this choice will be my nightmare because im being paying this loan i don't see the amount to lower it not even a dollat has to be something wrong with thi s agency can you please help me with this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: FL

Complaint narrative:
I had a mortgage that was paid perfectly for 10 year and was set up on auto debit from my checking account. I changed checking account and the payment was not made for one month. The mortgage company made no attempts to contact me after the 10 day grace period. I know they had my correct phone number because they were constantly calling me to refinance the mortgage in question. I contacted the mortgage company and filed a compliant. They told me that it went to a committee and it was voted to remove this from my credit. It was not removed. I can only assume that they do not call customers about late payments so that they can charge late fees.

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX only ) 30 days late as of XX/XX/2018 ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I submitted a complaint not that long ago because Ive been having issues with making payments on my loans via Sallie Mae. Whomever I talked to on the phone last said just to pay whatever amount I could and I would receive a phone call from the company. My mother who is my co-signer received a letter saying I was last due and I only received an email stating the same thing. They will not work with me and this needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 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: IL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: IL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX/XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with for two months and I sent all my docs. over to the credit Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I recently opened a credit card with US Bank. Promotion was twenty months interest free. Problem arose when I attempted to use my card for a {$24.00} purchase and it was declined. Now I am standing in line with four other people behind me. This was humiliating, in as much as I had NO idea why this happened. Just to clarify, I had a credit limit of around XXXX my balance was XXXX. I had made three payments between XXXX and XXXX.. One on the XXXX of XXXX. for {$200.00} then again on the XXXX. for another {$200.00}, finally on the XXXX. of XXXX another {$250.00}. That was {$650.00} in a month in a half. When I contacted member services I was told that I made my payments too early ... ..Unbelievable. I'm embarassed because I pay my bills ahead of time. Subsequently I cancelled this card, after talking to a supervisor who abruptly and rather rudely told me, I didn't understand, it didn't matter the payments are electronically assigned to pay periods no matter what..

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: IN

Complaint narrative:
I recently got out of an abusive, controlling relationship and I am on SSI due to having a XXXX and no income. My Ex had added me to his KeyBank checking account ( I believe it was in XX/XX/2019 ), without my advocate/payee present. Due to a XXXX XXXX, I am unable to read, write and communicate without difficulty or having my advocate 's assistance. I had trusted my Ex at that time and believed we would be together forever and he would take care of me. I did not ask the bank to read all their terms to me, as I have a XXXX XXXX causing a great deal of difficulty understand and require my advocate to explain in simple translations. On XX/XX/2019, I ended the relationship ( for good ) he already controlled everything of mine, including all the papers from the bank and the debit card the bank sent me, it was all in his possession when he left. Today, XX/XX/2019, I sent him a text, asking him if he would please take my name off of his account and he refuses to communicate with me. I do not know his email address or any other way to contact him. Next, I went to the bank 's website and chatted with the bank 's online support. They insisted the ONLY way to have my name removed would be for " him '' to agree and both go into the bank, together, and sit down with a banker to remove my name. Next, I called the bank 's main number for customer support and they said I could remove my name from his checking account, however after explaining they told me different during the online chat, the rep. actually called our local branch office for clarification. The Branch Office told her I needed my Ex to agree to take me off his checking account, if he did not agree, I could not remove myself from his account!! They also said that I had signed and agreed to those terms. I have contacted my payee/advocate and have been told me I would lose my SSI,  because Social Security will include the income on all accounts with my name and he makes over my limit!! He also knows I will lose my income, because my advocate told him so. Also, the bank tells me he can restrict me from all access to this account if he so chooses!! I am being held prisoner to this account and him and I will soon lose my only income from SSI ... I will be homeless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent an investigation request to Experian on XX/XX/XXXX. I was supposed to get a response within 30 days, but I have not.

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a general complaint, applicable to ALL cards, so no specific dates or names, etc. 

The problem is that when making a purchase, the amount is IMMEDIATELY posted to your accound, but if and when you make a return of even part of the total purchase, you have to wait any number ( 1-6 or 8? ) of WEEKS for the CREDIT to be posted. Well, someone [ the cc " processing '' agency? ] is making a lot of money off of this little trick ( and big inconvenience to the consumer ). It's BALONEY! Credit should be immediately posted, the same as a purchase. 

Part of the inconvenience is that you need to remember to check that the credit was returned at all. Week after week, until a couple of months have passed. And THEN, if it  hasn't been, YOU have to make a lot of calls to figure out and/or convince someone what or that something went wrong. 

CONSUMERS ARE GETTING RIPPED OFF IN THIS ARRANGEMENT, and IT NEEDS TO CHANGE!!! 

This should receive high priority because it applies to all cards. 

Thank you for a reply.

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 2019-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2019 My paypal business debit mastercard was used to purchase a XXXX plane ticket costing {$360.00} Transaction id XXXX. I disputed the charge with paypal and at their recommendation I filed a complaint with IC3.gov. I  called delta airlines and filed a fraud dispute with them. I provided all documentation of these complaints, to paypal. I have made numerous contacts to paypal to get this resolved ; however, they have closed the dispute, rejecting the case. I have filed an appeal and provided all requested information.

Company response to consumer: Closed with monetary relief