vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I became unemployed and immediately began a modification process my mortgage company was always telling me they did not have all of the paperwork but I would fax it then they would say they need another paper I would comply then they would say I have to do it all over again same paperwork over and over as I was diligently following the checklist they sent to me yet again it would be incomplete package I did this 5 times in two years and continue to work with a Counselling agency and still my mortgage company is lax and I feel because of my income teir they dont care to assist me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Early XX/XX/XXXX, I contacted Bank of America ( ) regarding a utility payment that kept getting returned. The payment would post to my account, only to disappear within 24 hours.Per Bank of America, a stop payment was issued over three years ago which was causing the error. The BOA representative was supposed to remove the stop payment. As of XX/XX/XXXX, and two payments later to the utility company, the stop payment has NOT been removed.As a result, I have been charged EFT fees in the amount of {$30.00} that I'm requesting BOA reimburse me. 

I called BOA on XX/XX/XXXX, and when I explained to XXXX in West Virginia, my issue, he preceded to place me on hold, then he hung up - figures. Typical BOA behavior. I have attached one bill to reflect return payment of {$250.00} and fee. Another payment of {$360.00} will be returned too which hasnt posted to the utility account as of today, 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 monetary relief
Consumer complaint received 2019-01-03 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: AES/PHEAA
State: PA

Complaint narrative:
I am in the Loan forgiveness program and the system is saying I have 7 more payments to qualify for the forgiveness. When in reality I have paid 7 more payments then necessary. Every representative that looks at my case states the same thing " I should be beyond the requirement. '' From first contact persons to supervisors. The supervisors have submitted for expedite my case for review ... but this has not happened. I started communications in XX/XX/XXXX and still being advised that once some one will look at my case it still can take up to 13 months. Also I was advised to submit for Temporary Expanded Public Service Loan Forgiveness ( TEPSLE ) Since I qualify for that since my loan forgiveness application was denied. So I did that, but again they tell me I will just be put me on a waiting list to be reviewed for that program, but may be faster. 
In closing I have in good faith did exactly what the program said to do and now feel like no one can help me even though the people I have talked to tried. It sounds like there are others in the same situation that I am. Hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I received notification that XXXX XXXX was transferring my loan to Specialized Loan Servicing on  XX/XX/XXXX. I requested a payoff from my second mortgage XXXX XXXX whom required a wire transfer to pay off my second loan. On XX/XX/XXXX through XXXX XXXX I wire transferred {$450.00} to XXXX XXXX 's account number. The XXXX XXXX clerk listed XXXX XXXX XXXX XXXX as the beneficiary. The tracking number was XXXX. The wire transferred was delivered. XXXX XXXX inadvertently accepted the wire transfer from XXXX XXXX and applied the payment to my mortgage. It is unknown how the payment was applied as neither XXXX XXXX or SLS have provided a payment history. On XX/XX/XXXX my loan was transferred to SLS. The {$450.00}, according to XXXX XXXX was transferred to SLS. SLS has claimed that they had the funds but were not applied to my XX/XX/XXXX payment. According to SLS an investigation regarding the wire transfer was opened. On XX/XX/XXXX, in a phone conversation, I paid the remaining {$780.00} to make my loan current for the month of XXXX. On XX/XX/XXXX I sent a certified letter to SLS regarding the wire transfer and discrepancy in how it was applied to my loan. The letter was to arrive on XX/XX/XXXX. The same day I mailed a check for my XX/XX/XXXX payment in full to a separate XXXX XXXX for SLS ( certified receipt XXXX, confirmed delivery ). The payment was received and SLS rather than depositing my check withdrew the money from my account as an ACH payment. The money was withdrawn on XX/XX/XXXX from my XXXX XXXX   XXXX account ( check number XXXX ) I did not and have not authorized any ACH payments with SLS. I received an email confirmation that the payment was received. On XX/XX/XXXX I contacted SLS again to resolve the status of my loan and address my letter. SLS then told me that my {$450.00} was applied to my XXXX payment ( as an autopost ), but now my {$780.00} payment had been applied to my principal as it was a partial payment ( as a curtailment ). I informed XXXX that the representative never informed me that my payment would be applied to my principal but that we had an in-depth conversation regarding that this payment would make my monthly payment current. I was never requested on informed XXXX XXXX or SLS that I wanted to make an additional payment toward my loan at any point in time. According to my financial records, my XXXX payment should be current and my XXXX payment was paid by check. According to SLS 's online history of my account the XXXX payment in the amount of {$1200.00} has NOT been credited or received by SLS. All payments have been made to both XXXX XXXX and SLS and my account is current. It is my belief that SLS is attempting to foreclose on my home and committing fraudulent acts with criminal intent.

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my Trans Union, XXXX, XXXX reports

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A )  dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called on XX/XX/2019, at around XXXX XXXX I spoke with agent name : XXXX ID XXXX we spoke for an hour and a half. I explained that I am going through a financial hardship and need to work out a payment plan to avoid bankruptcy. She said she thinks she can help, she would need to fill out an application and would know instantly. She asked me several questions and said I was approved to pay {$87.00} per month for 60 months at zero interest. She said the deal can only be made if I agree to pay the current payment of {$150.00} and change on or before XX/XX/2019. I agreed and said DEAL! 

She put me on hold for a few minutes and came back and said this is not normal but we need to send this to a supervisor for approval. I said it was already approved by the computer that you already made the offer and I accepted it, we have an oral agreement. She said she can't offer the deal that was already offered by Chase and accepted by me. She got her supervisor XXXX ID XXXX who said we are not able to offer the deal that was made with the agent XXXX. I said the deal was offered and accepted how can you rescind the deal, I already accepted the offer. We have an oral agreement. 

I told XXXX to check the recording conversation that it was already accepted he said he would check to see if the representative did make the offer and I accepted the offer and it would take a month to check the recorded conversation. I explained that if Chase wants a month to listen to the recording that I shouldn't be responsible for the payment coming due on XX/XX/XXXX, since I needed the hardship agreement to take effect to make the payment. I shouldn't be responsible for making payments while chase is taking a month to review the recorded conversation and refuses to honor the hardship agreement that was offered to me and accepted by me. 

CHASE IS IN BAD FAITH NOT HONORING THE DEAL THAT WAS OFFERED AND ACCEPTED BY ME. 

On a sperate request please note in the records : I am requesting Chase to please preserve the phone recording made on XX/XX/2019, at XXXX XXXX lasting over two hours  regarding this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each 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
Consumer complaint received 2019-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) shows me my FICO Score, which is XXXX and gives me a list of " Key factors affecting your FICO Score. '' One of the factors listed is " Too many accounts with balances, '' but I only have one credit card  account. I was told on the XXXX site that " if [ I ] find inaccurate information that may have affected [ my ] score, [ I ] can dispute [ my ] TransUnion credit report at www.transunion.com or call TransUnion at XXXX. '' I called TransUnion and they verified I only have one XXXX  credit card account, and therefore the FICO factor affecting my score must be erroneous. But they wouldn't tell me how to fix the problem and the customer servicer representative wouldn't allow me to speak to a manager. They said they would include a consumer complaint note in my file and that maybe someone could fix it, but that they weren't authorized to change my score, which didn't make sense. They also told me the problem was with XXXX, but XXXX says the problem is with TransUnion. I also tried to find a way to contact FICO but couldn't find a way. 

How am I supposed to fix the problem? I don't want my credit score to be lower than it should be, and I don't know how to point out errors or to whom I am supposed to point out those errors, and I don't know who is responsible for fixing the problem.

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 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
opened XXXX on XX/XX/2016 and this company is STILL reporting inaccurately on my credit report which will constitute me filling a lawsuit if they continue to not follow the response obtained in their response to the CFPB that they account will be CLOSED. 

This needs to be CLOSED/DELETED on ALL credit reports : XXXX/XXXX & XXXX  as this is still affecting my score. This has been going on for two years now as you ( Consumer Portfolio Services removed it from my credit report after my complaint was submitted to the CBPB but it mysteriously reappeared about 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a Capital One credit card through XXXX on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called Capital One, and they recommended that I open a dispute claim through XXXX, and I did. On XX/XX/XXXX, XXXX informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I  would have to pay for return shipping and may be eligible for reimbursement. When I called XXXX and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with Capital One, which I did. Capital One opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XX/XX/XXXX to early XX/XX/XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both XXXX and Capital One are refusing to give me a refund. Capital One claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. XXXX refuses to do anything without notification from Capital One that the dispute is resolved, and Capital One refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I already filed a complaint and feedback. I am not satisfied with the Servicer 's response and I want a re-file and continuation of the complaint as they have not addressed the root of the issue! Please see my feedback in your system and open a continuance of my initial complaint. 
Thank you

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 2019-01-03 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: CA

Complaint narrative:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 

This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX XXXX XXXXXXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX   ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: MS

Complaint narrative:
I keep reporting the same issues every month with the improper use of my credit score. You continue to allow these people to fraudulently use my information. Changing my credit score to XXXX to XXXX Ill be getting a lawyer. I no who is responsible I promise it will stop. One I get legal proof Ill go from there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I made 3 payments of {$420.00} each on the due dates for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The website showed most of the payments each month went toward principal, however I called XXXX today because the dashboard was confusing - indicating my payment of {$100.00} was not due until XX/XX/XXXX ( skipping XX/XX/XXXX payment ). According to the Rep and Manager, their computer did not show any pay-down on principal. Rather, it showed only paid-ahead status and told me that I should've called to ask them to apply the over-payments in a specific way. In no way or form was it ever communicated to me that I needed to do this extra step ( and each month going forward! ). Also, it is extremely misleading to show a pay-down on principal only to be inaccurate when I called. A normal and reasonable consumer would think the website is accurate and continue making payments, which is what I did until today ( via AutoPay ). 

For example, my {$420.00} payment for XX/XX/XXXX showed {$300.00} to principal and {$110.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. 

The manager attempted to fudge the simple interest loan information and claim that I did not know what I was talking about and it did not matter whether I paid in XX/XX/XXXXor all now, the benefit would be the same. This is clearly not the case because if the remaining principal was lower in XX/XX/XXXX, I would've owed less interest for the XX/XX/XXXX payment, and so forth.

Company response to consumer: Closed with explanation