vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Dear   XXXX   XXXX   XXXX     : This is in regards to an account that was opened in my name around  XXXX  that I recently saw on my credit report and learned you are attempting to collect  XXXX  from me.     I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing.     Under law, you  may  only contact me once more to acknowledge that you have received this request.   Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward these documents on for me to view.     I expect to receive your confirmation that you have received this notice by  XXXX / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I had an excellent payment history with Santander before the engine locked. All maintenance was up to date but the engine locked anyway. I called Santander to find out what they could do to assist me because I could not continue to make the payments and purchase an engine as well. Because Santander would not work with me, I ask them to come and pick up the truck. They did pick up the truck at my request and sold it at auction however the show the full amount of the balance owed.      Santander could have worked with me. I was never late and all I asked was that I have some relief until I got an engine in and they would not work with me. They do n't even show it as a voluntary repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
I  XXXX  from   XXXX   XXXX   XXXX     where I was in the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     administered by    XXXX   XXXX  . On or about   XXXX   XXXX   2017 I submitted a form to    XXXX    to roll over the {$30000.00} I had in the   XXXX   XXXX   to my money   XXXX   XXXX   XXXX   XXXX  ..
The problem is that as of this writing I still have not received my money. I have a written dialog of the various phone calls I have had with  XXXX  service desk. As of now, I have had 10 phone calls with  XXXX  trying to get an answer as to where my money is. What I get is a new agent each time to whom I need to re-state the case from the beginning. And each time, there is a new story or a new twist. The agents at  XXXX  say that the problem is with Bank of New York Mellon who is the Trustee. They continue to send the checks to the wrong account. And I am now told I have to wait until BONY recovers the money from wherever they sent it.It is now   XXXX   XXXX    almost two months and    XXXX   can not seem to get this resolved. Soon the 60 day rollover period will expire and I may be liable for taxes on the money. I have written notes on every conversation if someone would like to review them.
I am at my witts end and I am desperately seeking someone who can get me my mone y.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  N.J.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Based on the information stated in the letters sent, the accounts have been recently closed because of being Unable to verify my Information with the existing public records. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the records. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not held any other Social Security Number nor lived in anothe r US State  previously. My family just recently migrated in  XXXX , New York last  XXXX   XXXX ,   XXXX   from the  XXXX  of the  XXXX . Years before that, I have never been in the US. The  SSN and present address I have in the Synchrony Bank records, the ones th at I have in the Credit Reporting Bureaus and with my other credit cards are all the same. This is also what is found in my State Identification cards,  So  cial Security Administration records and the US Federal Department Records. This is my FIRST AND CURRENT U.S.  address. I did't not understand how incompetent their fraud department is for having closed ALL my store card accounts without verifying for my actual identity by calling me or leaving me a voice message. They have my personal number. Other cards that I have do that to verify before making any other attempt. This is the most professional and prudent thing to do considering that I am a good customer.I have gone through the humiliation of having my cards rejected several times at time and forced me to pay in cash. I did n't know what happened until I called customer service agent of Synchrony whohappens to be very unprofessional and without any display compassion about what I have been through.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The lender failed to provide the detailed explanation required by Regulation X,  12 C.F.R. 1024.41 (  d ). of the denial of a loan modification- the lender has stated that due to an HOA foreclosure they will not review for a loan modification - there are no provisions stating that a review for a loan modification can not be completed due to out side factors such as the  HOA  FC. While the client is working on paying the  HOA  and working out an arrangement to do so we requested a loan modification review to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
1 ) In  XXXX     2017 re ceive d 3 n otices from  Wells Fargo Stating that payment was late fo r the month and that a late charge was being levied. I was also sent notices threatening foreclosure and credit degradation.       2 ) I was further instructed that payment was due on th e   XXXX   of  each month and only as a courtesy they were tolerating a 15 day late period which is directly contrary to My VA loan closing statement clearly states that I have up to the  XXXX  of every month to make payment without penalty. That is a part of my contract with the  Veterans Administration and n ot a " courtesy ''. It is contract.        3  ) I received a  XXXX     2017 not i ce from Wells   Fargo Stating t hat a shortage was detected in the Escrow Account, for the amount of  XXXX  and that if I paid the amount by  XXXX  's payment my new payment would be  XXXX  I s ent Wells Fargo , Checks for  XXXX  ( ck  XXXX  ),  XXXX  ( ck  XXXX   )  and  XXXX  ( ck  XXXX  ) which total in excess of the  XXXX  Escrow account Mortgage account combination by  XXXX  Less the  XXXX  " shortage amount '' leaving a refund due of  XXXX .      Wells Fargo is  refusing to refund the  XXXX  overage.        4 ) Wells Fargo  consistently misled and falsified records saying that I made monthly check payments of  XXXX . I have never written the monthly checks for that amount.       5 ) I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal &  Interest  only or escrow only an  d Wells does not deposit them in either but liquidates them into an " unapplied '' funds account, which has no legally binding balance sheet. ( A balance sheet is not a work sheet ) Then Wells deducts the amount they choose, leaving an balance that does not show how much was deducted from the " unapplied '' funds account and how much remains in respect to that
deduction.. 6 ) I have never been late on this VA Loan in the near 10years of its     execution. I have never fail in taxes nor insurance The balance in the unapplied account is never fully applied to either account Mortgage PI nor Escrow, yet there is a paper front that the account exists. It would not surprise me to find out that this money is being used to support other accounts not related to mine. There is no legitimate reason that this account should exist.

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 2017-05-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was on a retroactive forbearance for my student loans through XXXX XXXX from XXXX XXXX through XXXX XXXX. XXXX had reported on all XXXX credit bureaus that my XXXX payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.

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 2017-05-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: DISCOVER BANK
State: CA

Complaint narrative:
I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I reported to  JP Morgan Chase  that a check I did not authorize was deposited into my account ( in the amount of {$4800.00} ). They immediately reversed the check and investigated it the same day (  XXXX / XXXX /  XXXX   ) ; on  XXXX / XXXX /  XXXX   when I went to open my new account at the local branch, I was informed by an associate  XXXX   XXXX   XXXX  that their investigators said the check was indeed fraud as the fonts were differing sizes, etc. Within the same time frame that the fraudulent check was deposited, a transfer was initiated to move the funds from the fraudulent check to a different accoun t ( Chase  told me they could see the transfer came from my grandmother 's online profile, who opened the account for me when I was a minor 10 years ago ). The transfer was initially denied by Chase because the funds from the fraudulent check were not available yet. On  XXXX / XXXX /  XXXX  , Chase allowed the transfer of {$4600.00} to go through - after I made the fraudulent activity claim and the check was already reversed (  XXXX / XXXX /  XXXX   ).  Chase  simply told me my account was compromised and I needed to open a new one ; so I did and went on my way. On  XXXX / XXXX /  XXXX  , Chase withdrew {$4600.00} from the new account I was instructed to open, and transferred it to my old account. This is because when they advised me to close my compromised account, it was left with a negative balance because Chase allowed money that did not exist to be transferred out of it. So they took the {$4600.00} from my new account to make up for it. I had my case escalated to th e Executive Office,  where  XXXX  was going to investigate where the remote online deposit came from ( because it was identity theft ) and why  Chase  allowed those funds to be transferred after they had reversed the fraudulent check. When  XXXX  came back with their decision on the matter, it turns out they did not investigate anything and are saying that even though I reported the fraud and had my identity stolen, I am responsible for any deposits and transfers made on the account. It is astounding that I had my identity stolen, did everything Chase instructed me to do, and they are holding me responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My lease term ended on  XXXX  however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with  XXXX  on  XXXX  which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor   appointments and we are only the  2 that drive  in our home. My husband was n't on the mend after having  XXXX  and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date  )  my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to  Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on  XXXX  when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of  Santander  who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
back in   XXXX   XXXX   XXXX   I purchased an airline ticket online for departure in   XXXX   XXXX   but just  XXXX  mn later I received a call that my father passed away and i was in needed to leave earlier so I checked with them online they said is free cancelation within  XXXX  h of purchase so I called them and when I asked the agent for refund so he said he ca n't do it and his supervisor who needs to do it so he put me on hold for app  XXXX  h and we got disconnected and called again and same I could n't even go through until the  XXXX  h passed.   I emailed them and the only answer that I got I 'm sorry but the refund needs to be done over the phone, so I called citibank credit card and I informed the representative that I have been charged and i 'm trying to cancel but nothing so she said i do n't see any charges posted on your account.   I was surprised a month later that the charges were in my account so I called  city  and I disputed the charges but they refused to help and they said the marchant is right.   I never ever had a credit issue my score is over  XXXX  and never been late on my payments you can check that but now i 'm very annoyed by the letter and the interest that they are sending and I do n't want to had bad credit

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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
O n  XXXX / XXXX /2017, I mailed a regular mail request to validate, it was not responded to by NCAC.  XXXX / XXXX /2017, I mailed a certified request to validate debt, give accounting of fees of the debt and other items ( 2nd letter and it was returned not signed for ). 3rd letter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX / XXXX /2017 not being responded to ( sent  XXXX / XXXX /2017 ), this was the second certified letter. None of the 3 letters have been responded to as of today. The debt is being collected by TWO collection agencies on my credit report. Per the law they do not have to respond, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX / XXXX /2017, t hey have not responded to either letter. The second certified letter gave them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney sent them a letter 7 days ago also, however, they need to follow the LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a dispute with Equifax about  XXXX   XXXX   XXXX   XXXX  about # account number  XXXX  with myself not being knowledgeable of opening an account with this agency. I have written Equifax and ask them to prove to me that I had an account with  XXXX   XXXX   XXXX  and to show me some type of documentation of proof that I owe this company any monies and so far iIdid not receive any documentation of proof that I owe   XXXX   XXXX   I am asking that Equifax either show me any type of Documentation proof that this is my original creditor and that I had an account with them if not I want this account REMOVED from my  XXXX  CREDIT REPORT as soon as possible. I do not think it is fair for myself to keep requesting proof from   XXXX   and they keep claiming that this account had been verified with no documentation to prove it that i had an account with  XXXX   XXXX   XXXX  agency as the account original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
In  XXXX , I made a room reservation at a  XXXX   XXXX . A credit card offer popped up with a visual depiction of a {$50.00} discount if i opened their credit card  ( Barclay ). I figur ed ... sure, i 'll save {$50.00} on the room. The visual credit card statement showed my room rate {$200.00} - {$50.00} credit for opening card = price of room {$150.00}. I then proceeded to accept the card offer and make my reservation. The gentlemen at the hotel said the {$50.00} would come off the credit card bill, not the reservation.     I received the bill with no discount.     Come to find out, you had to spend {$2000.00} to get that {$50.00} discount.     I inquired with  Barclay  on  XXXX / XXXX /  XXXX   and provided them with a screen shot reflecting the $  XXXX  = {$150.00} deal. I received confirmation that  Barclay  received my documentation.     They are now saying its going to be another  7-10 day s for a response.     As of today, it 's been 20 days of me jumping through hoops. During tha t 7-10 day window, my Barclay bill  will be due. I 've repeated asked them for an expedited response because i do not want to be hit with interest or late fees waiting for resolution ... however, they never address that concern of mine.     I 'm at my wits end dealing with Barclay.

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