vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 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: LA

Complaint narrative:
During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations while XXXX has deleted one and is in the process of removing the remaining two accounts. However, Experian has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Experian can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX  deletion ) XXXX  - {$390.00} ( Deleted by XXXX ) ; ( Deleted by 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 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/18 went to Chase Bank at XXXX XXXX XXXX and spoke to person at bank about paying off credit card debt, she then called Chase service and my husband and I spoke to a person by the name of XXXX for more than an hour. She said the call is being recorded. We said we wanted to make a one time payment on what we owe and what type of arrangement can we make. She offered two plans, keep paying or close the account. We chose to close the account and we agreed to make a payment that day of {$1800.00} ( which was all the money we had ) from {$2200.00} that was owed. My husband told her he would get on line to pay the amount and when person came back on phone, she said that the agreement had been declined. She said the reason it was declined was because there was usage on the credit card. 
I don't understand what using the credit card has to do with agreeing on the {$1800.00} payment. The branch manager 's name is XXXX XXXX XXXX and I spoke to him about this situation and he's looking into it. We had to go and borrow the additional {$410.00} to pay off our credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There is a hard inquire that I do not recognize and never attempt to obtain. It refers to XXXX/XXXX ( Nation Credit Cards/Airlines. The company did not get permission to do or see if a wanted. I have never ask for this transaction. Nevertheless I did not give PayPal the okay to look into. I call without anyone help me and just kept transferring to someone else or giving me the same number on credit report that could help. 
XXXX XXXX ( XXXX XXXX, XXXX XXXX, and XXXX ) credit cards I have paid off and decided to close myself to keep from having so many credit cards. I do not think these should be seen as hard inquiries. XXXX XXXX card bill were kept up to date and the XXXX XXXX late note was because letter was mail to wrong apartment number on bill. I called the company to see why no bill was sent and the lady said the apt . Number was late.

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 2018-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I am emailing you so you can please have the company take this off my credit report it is still reporting on the XXXX  file, I just had this deleted from the XXXX report XXXX-18 and they found out it was open fraudulently the company is XXXX address mid wst recoverXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX tel # XXXX, this is showing up for amount XXXX which is not my debt, please have them remove as soon as possible, I have call and nothing have been done. I thank you in advanced to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX of 2017 I received a hard inquiry from Capital One, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from Capital One in connection with this request ( as I already have one and do not desire anymore at this current time. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I get paid on the XXXX. 
yesterday my account had a check for XXXX, and it caused my account to overdraft. 
I got paid, still the check bouced, and I am going to be penalized because of the bank, over 80 in overdraft fees. One by the bank, other by the company that deposite the electronic transfer. 

I was abligated to open a new account due to concerns about identity theft, but it was handled badly, and y new account have no protection for overdraft. The bank did not rstore the services under a new account number, hense the This is the second time this happens, Additionally,

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 2018-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
During a prior dispute, XXXX  removed all of the following accounts because of false misrepresentations while XXXX  has deleted one and is in the process of removing the remaining two accounts. However, XXXX has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the Capital One accounts.

For whatever reason, XXXX can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts.

Capital One Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX deletion ) XXXX - {$390.00} ( Deleted by XXXX  ) ; ( Deleted by XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: FL

Complaint narrative:
Both XXXX and TransUnion report an account that is over the statue of limitations. The XXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.

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 2018-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Panorama Mortgage Group, LLC
State: FL

Complaint narrative:
I'm the seller of the property during the closing procedures everything seemed to be ok and go to go for closing on XX/XX/2018. Later on the loan office XXXX XXXX from XXXX XXXX XXXX requested to have an extension until XX/XX/2018. XXXX XXXX said he was waiting for a paystub from the buyer. Later on I was told that the buyer needed to come up with an additional XXXX for closing since his debt to income ratio was at 58 %. It seems to me that XXXX XXXX delayed on the process of entering the loan into the system causing a bunch of issues, since I have already entered a contract to purchase other property with the proceeds of my primary property. XXXX XXXX till this day is still requesting documents from the buyer that should have been asked for during the start of the loan. This puts me at a hardship since XXXX XXXX made it seemed like the loan would close on the XX/XX/2018. XXXX XXXX also requested for me the seller to give the buyer XXXX in order to close. Something doesn't seem right with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
A company purchased a debt that was not verified by a previous company and was ultimately removed from my credit as I am unaware of such debt. I sent a letter to the company on XX/XX/18 after receiving a notice on XX/XX/18. The company was asked to provide several tenets of proof and sent a bill without the additional evidence on XX/XX/18. Instead of allowing me to investigate, the company then added the charges to my credit as a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
navient wont change borrower to co signer happened when sallie Mae was the loaner they denied request also papers were filed electronically and the names were put in the wrong place daughter XXXX was to be borrower and me the father XXXX was to be co signer but companies refused to change it because money was sent to college I want to retire in a year from fire dept and dont want my name on this loan that should have been in my daughters name how hard can it be to change it she has been making the payments herself since grad school but they have consistently refused to alter the paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
The company that had my debt for XXXX is EOS CCA. I paid the amount of {$1100.00} on XX/XX/2018. When I paid the amount agreed upon. I asked the representative if the account would be removed from my credit report and was told yes by the representative. It has been 150 days and they have not removed the account from XXXX XXXX or XXXX. I called EOS CCA on Friday XX/XX/2018 and again on Wednesday XX/XX/2018 to resolve this. I was told that they would not remove it, and I informed them that they werent in compliance with the fair consumer reporting act. I then notified them that I would be reporting them to the consumer commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
My mortgage started on XX/XX/XXXX with XXXX XXXX. It was sold to Statebridge starting XX/XX/XXXX. Statebridge then increased the rate and changed the escrow terms illegally. 

I requested to cancel the escrow account in XXXX and provided the proof of payment for the XXXX whole year property tax as requested by Statebridge. After I called them many times, they finally responded in XXXX. that they rejected the request stating that the escrow account must remain open for one year. I notified them that the original mortgage agreement I signed with XXXX did not have this requirement and according to the federal law, they cant change terms when the mortgage was sold to them. Ive also requested them to provide documents and proof that they have legitimate and legal reason to add this requirement. They just ignored my requests whatsoever. In XX/XX/XXXX I notified them that the mortgage had been one year and the escrow account should be able to be cancelled as they promised even with their newly added requirement I did not agree. But they again postponed the cancellation date to XXXX. 

During the time Ive also repeatedly requested the balance on the escrow account to be refunded or applied to the principle balance. They just ignored all my requests. And the escrow account had accrued more than {$15000.00} balance at this time. According to the service terms, the escrow account was established to pay the property costs so that the borrower did not have to pay one or two large payments a year. Since we had already paid the property tax for the whole year and requested to cancel the escrow account ( and would pay insurance by myself ), the escrow account was not servicing its purpose. They kept collecting the escrow funds each month and holding the funds there not servicing its purpose, which was against the service terms and illegal.

When the mortgage was sold to Statebridge in XXXX, they secretly increase our mortgage rate from 2.75 % to 3 %. When I found out the rate change in XX/XX/XXXX. and contacted them, the representative over the phone tried to lie to me that the rate did not change, and then lied to me that the rate increased because it was on the XXXX ARM. Though they finally reversed the rate on XX/XX/XXXX after my insistence and contacted them multiple times, Id like to point out they were committing something illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I HAVE APPLIED FOR FINANCIAL ASSISTANCE TO SAVE MY HOME WITH BAYVIEW, I HAVE COMPLIED TO THE NUMEROUS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT THEY HAVE DEEMED MY FILE COMPLETE WITH RECEIVING ALL DOCUMENTS NEEDED TO SEND MY FILE TO THE UNDERWRITING DEPARTMENT. THIS WAS DONE AND CONFIRMED ON EVERY CALL SINCE XX/XX/18. I WAS TOLD THAT THEY WILL HAVE A DECISION WITHIN 30 DAYS SENT TO UNDERWRITING, I HAVE REVIEWED THE FHA HANDBOOK FOR MODIFICATIONS TO DOUBLE CHECK AND THEY HAD ONLY 30 DAYS TO ISSUE A DECISION. THEY ARE WAY OVER THAT GOING ON 2 MONTHS HERE IN A FEW DAYS, ALL THEY SAY IS WE ARE BEHIND. THAT HAS NOTHING TO DO WITH ME THAT THEY ARE BEHIND AND THEN THEY START GETTING RUDE AS IF I AM BUGGING THEM TO DO THEIR JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX  on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I went to the bank to get mortgage documents notarized and they did not have a notary on staff. Not only that but their website said I should be able to schedule a notary but the website was not working. My complaint is regarding the fact that they did not have a notary available to us at the time we came in and that we could not schedule a notary due to their website being down.

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 2018-08-08 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: Aargon Agency, Inc.
State: SC

Complaint narrative:
I have a balance due for credit I supposedly got from some company called- " aargon collection agency , XXXX XXXX XXXX XXXX, XXXX XXXX , nevada , XXXX ''. 

I have NEVER been to a place called XXXX, never gotten an item, loan, anything from this place in my life. This is soooo fake that I am LIVID! I CAN NOT UNDERSTAND HOW THIS IS LEGAL!! 

HOW CAN I SUE THESE PEOPLE?? HOW CAN I PUT A STOP TO THIS?? IF THIS IS POSSIBLE TO REPORT FAKE ACCOUNTS TO REAL CREDIT REPORTING AGENCIES THEN I AM POSITIVE THERE HAS TO BE LOTS OF PEOPLE THAT THIS IS HAPPENING TO! 

I DO NOT KNOW WHAT AN XXXX IS, HAVE NEVER BEEN INSIDE AN XXXX BUSINESS, HAVE NEVER BOUGHT ANYTHING FROM XXXX BUSINESSES, HABE NEVER GOTTEN A LOAN FROM SOMEWHERE LIKE THIS IN MY ENTIRE LIFE!!!!! 

WHAT IS GOING ON THAT THIS IS LEGAL??!!!!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX Thank you for ANY help.

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 2018-08-08 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX   PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018. 

Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days. 

If I do not get this resolved to my satisfaction, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I don't know who the original creditors are not these companies that are reporting on my credit. I've reached out several times and they still will not remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Tel # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
I am a victim of identity theft and this account was opened without my knowledge.

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