vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 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: United Student Aid (USA) Funds
State: PR

Complaint narrative:
I paid in full the amount of {$4600.00} to XXXX XXXX XXXX on XX/XX/2018 after an agreement was reached with loan owner XXXX XXXX XXXX XXXX/USA Funds. XXXX informed that I will received a loan cancelation letter after 30 day of payment. I contacted XXXX on XX/XX/2018 and they confirmed payment was received and send to XXXX XXXX XXXX XXXX but they could not provide more information and that I have to contact XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed I have to contact XXXX XXXX XXXX XXXX XXXX XXXX because they are the loan owner. I don't have any information that names XXXX XXXX XXXX XXXX XXXX as the loan owner. After calling to 6 different phone numbers and contacting XXXX XXXX XXXX XXXX XXXX, I when back to XXXX XXXX XXXX XXXX which was unable to provide information on when I will receive a cancelation letter. These companies harass and play the game of exhausting ( " hot potato '' ) the people without any consequences and what is worse they keep doing business as usual with the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
XXXX XXXX was debiting my checking account monthly for my mortgage payments. The servicer changed to XXXX XXXX   XX/XX/2018.Bayview didn't forward the several months of mortgage payments they had in their possessions to the new servicer XXXX XXXX . I spoke with Bayview several times to request payments be forwarded to XXXX. I have been unsuccessful getting this matter resolved their negligence has caused me to be delinquent on my mortgage and at risk of losing my home. Please assist me with this urgent matter. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all

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 2018-08-31 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:
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 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: CA

Complaint narrative:
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX  ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I checked my account on the morning of XX/XX/XXXX, I noticed I had been charged {$420.00} in overdraft fees. I was concerned as to why this happened so I looked through my account. A {$500.00} student loan payment I originally intended to be made on XX/XX/XXXX was mistakenly scheduled for XX/XX/XXXX instead. I was not scheduled to be paid until XX/XX/XXXX so the money deducted for the {$500.00} payment caused my account to go into the red. 

When I signed up for my account with TD Bank in XXXX I opted in for an alert when my checking account balance was low ( {$100.00} ). For some reason I never received that alert, thus I did not know that I was running a low balance and kept making purchases. 

On XX/XX/XXXX I went to a local branch where the Manager said she was doing me a favor by reimbursing {$100.00} of the {$420.00} to my account. I think this is extremely unprofessional to tell a client that you are doing them a 'favor '. I then called customer service and they only reimbursed me {$35.00}. In light of recent overdraft related class action lawsuits against TD Bank one would think they would do the right thing here and help their customer out. 

I have a clean record with the bank. There has been no other instance of an overdraft happening on my end. I want the remainder of my money back. It is disgusting that such a large institution knowingly takes advantage of its so called customers. 

Also, as a side note, when I spoke to customer service the first person I spoke with told me he already briefed his supervisor on my situation and that she was not going to reimburse me any more for the fees and then proceeded to ask if I still wished to speak with her. It seemed as if he was trying to convince me nothing more could be done and to silence me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I fell behind on payments due to health. I secured $ XXXX from Florida 's Hardest Hit fund to pay Ditech/Greentree. Ditech/Greentree misapplied these payments I can prove through just looking at my credit report. I applied for a mortgage modification. Ditech would say they did not receive my paperwork and would have to resend. They kept saying they did not receive. I was working with Florida 's Hardest Hit and we called once again and they said I was denied for no reason. I have no debt and a steady income. They sold the house to themselves at auction for $ XXXX I've been here for 17 years making payments. Despite making payments for all of XXXX and some of XXXX and providing them an addt $ XXXX for principle my balance kept going up. I don't believe they ever intended to provide me a modification and just mishandled everything so they could foreclose on me and steal the house to flip and make more profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: ME

Complaint narrative:
According to Federal Law the PMI is to be removed automatically once the balance of the mortgage is 78 % or less of the homes original value. Ive contacted the lender and they are using a XXXX loan modification to push the date out to XX/XX/XXXX. Original value was {$190000.00}. Mortgage balance is XXXX approx.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing because I need help to dispute a debit in the amount of {$4900.00} on my chase account. The debit was a fraudulent charge during my vacation at XXXX XXXX on XX/XX/XXXX at XXXX XXXX. While I went snorkeling into the ocean, criminals took advantage of my absence to go trough my belongings and using an electronic gadget scanned all my credit cards to later charge as much they could. 

facts : 1. I was not in possession of the debit card when the criminals charged the {$4900.00} on my account. 
2. I have lived in XXXX XXXX, XXXX since XXXX. Prior to that I lived in XXXX  as a member of the XXXX. 
This trip to XXXX XXXX is my first and I have NEVER been to XXXX. 
3. I have never done any transaction with the merchant by the name of : XXXX XXXX XXXX I have asked for a re-investigation of this transaction and I quickly received denials without any basis. 
It is very difficult to believe that a good investigation if any has been conducted on this case. On Chase letter dated XX/XX/XXXX, Chase investigators state that there are undisputed transactions with the same merchant location/Merchant ID for the past 12 Months that matches my spending pattern. I asked to share those details but they CAN NOT reproduce any. I believe there is a mechanism in place that automatically reponds without any investigation. 

The bank security system failed to generate any alarm e-mail or voice mail to ensure the safety and security of my money. Chase bank simply paid a large amount of cash to criminals from a third world country without absolutely any hesitation. 

I have pictures that places me snorkeling during the time of transaction, again no response. 
My wife, and two friends had also their credit cards stolen and charged by the same crimials. 
XXXX, XXXX XXXX XXXX XXXX and XXXX have conducted their investigations and found XXXX XXXX XXXX to be not only a fraudulent merchant but also a nonexistent merchant. Chase bank refuses to investigate. 

I am requesting that {$4900.00} related to the fraudulent transaction be credited to my chase account because Chase bank failed to detect and alert a fraud transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all

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 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I applied for a checking account at XX/XX/2218 with HSBC with a reward of {$750.00} if I maintain a certain balance for 3 months. They rejected my application because they could not run my credit report??? Its currently frozen due to the XXXX breach. Interesting that they would turn my money down to open an checking account without seeing my credit report? 

My wife then applied on XX/XX/18 whom does not have frozen credit. She applied and at the completion they told her to wait. Its now XX/XX/18 and HSBC is still making us wait after more then a week??

This just sounds fishy?? HSBC has all our sensitive information in both applications and we are not happy. I almost feel as if they are gathering our personal information for future endeavors without going forward with this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PR

Complaint narrative:
Mortgage loan XXXX was transferred from XXXX to Mr. Cooper on XX/XX/XXXX ( new loan # XXXX ). Loan was paid in full on XX/XX/XXXX. Letter dated XX/XX/XXXX from Mr. Cooper confirmed payoff was processed and that the release of lien will be submitted to the official recording jurisdiction. I called Mr. Cooper 's customer service to ask for the original {$100000.00} mortgage note but they indicated they only had copy, not the original document. I have been contacting XXXX customer service several times beginning in XX/XX/XXXX looking for the original mortgage note but they informed that Mr. Cooper received the original collateral documents upon the account transfer. In Puerto Rico, the original mortgage note is required in order to execute the corresponding deed of cancellation of mortgage before a Notary Public. This is the only way to cancel the lien created by the deed of mortgage at the Property Registry. Therefore, I have requested the original {$100000.00} mortgage note to both institutions but none of them have located the original document and so far I am unable to proceed with the lien cancellation. If this original {$100000.00} mortgage note has been lost, the cancellation cost will increase dramatically as it must be done at the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have had an active account and service with XXXX at my home for over five years. I have never been past due and my account has never been closed for any reason, including nonpayment. I am attaching my most current billing from XXXX showing my account has an active status and is indeed current. XXXX would not allow me to have an account if I had not paid. I am supposed to close on my family 's new house in the next couple of weeks. When this erroneous collection was posted to my credit, it made my score drop from XXXX to XXXX. Please remove this from my credit report ASAP as the amount is not owed by me.

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 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My only account with Chase was closed on XX/XX/XXXX for " violating company policy '' but I have not used the account much other than paying 2 electric bills and the annual fee year to date. I am completely puzzled by why and believe this is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On the morning of XX/XX/2018, the client, XXXX XXXX of XXXX, CT awoke to find out that this car, a XXXX  XXXX XXXX was missing from his driveway. Upon contacting the XXXX Police, XXXX XXXX was informed that his car had been repossessed during the night time hours. 

Later on the XX/XX/XXXX, XXXX XXXX received a XXXX package that included a notice from Chase that he was past due {$1000.00}. XXXX XXXX called Chase to make arrangements to pay the aforesaid sum but was advised that he now had to pay the entire value of the car, {$31000.00}. 

XXXX XXXX has hired my lawfirm to try to get his car back. Under Connecticut law, the Lessor has to give at least 10 days notice of the default and a cure period before attempting repossession. We have been unable to reach Chase so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: OH

Complaint narrative:
On XX/XX/XXXX, Second Round Llp, filed a civil suit at my local court regarding a debt in the amount of XXXX. I have not received correspondence from this company validating this debt. Second Round LLP buys old debt and tries to collect. I get robocalls all the time but not sure if it is from them since no company information is given. I do not even know what this debt is for. I sent correspondence on XX/XX/XXXX for immediate validation of this debt. They have also put a negative remark on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received an email on XX/XX/2018, inviting me to upgrade from my no-fee Citi Thank You Preferred card to the Citi Thank You Premier Card. The Premier card has a {$95.00} annual fee, but the email stated multiple times that the annual fee would be waived for the first year.

I took advantage of the upgrade offer via Citi 's website. 

On XX/XX/XXXX, I received a letter with the terms & conditions of the Premier card. It stated that I would be billed a {$95.00} annual fee " on the next statement issued after XX/XX/2018 ''. 

I called Customer Service to explain the problem. They told me that the annual fee can not be waived. I explained the email that I received but it did not change their decision. 

I then asked them to switch me back to the no-fee card I had before. They began that process and started reading the terms & conditions. They got to a term that stated that I was required to keep the no-fee Preferred card " in good standing '' for 1 year, and if I did not, that I would be switched back to the $ XXXX/yr Premier card and billed the annual fee. 

I refused to agree to that term, for obvious reasons. They said that if I can't agree to all terms, then they can not switch me back and I will be billed $ XXXX/yr for the Premier card. 

That was the end of the phone call.

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 2018-08-31 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
ON XX/XX/2018 I CALLED PENFED AT XXXX, AND SPOKE WITH A GIRL NAMED XXXX. I EXPLAINED THAT AFTER GOING OVER MY STATEMENT I HAD FOUND A CHARGE I DID NOT APPROVE ON XX/XX/18 FOR {$1000.00} DONE BY XXXX XXXX. SHE TOOK MY FRAUD COMPLAINT AND THEY SAID THEY WOULD SEND OUT A NEW CARD AND ID GET A REFUND. THEN ON XX/XX/18 I WAS SENT A LETTER WHICH I HAVE ATTATCHED CLAIMING THAT BECAUSE I DID NOT SEND IT IN WRITING IN THE FIRST 60 DAYS I WILL NOT GET THIS CHARGE REMOVED! I AM VERY UPSET! I AM A SENIOR CITIZEN AND DESERVE TO HAVE MY MONEY RETURNED TO ME AT ONCE! I DONT THINK ITS FAIR THAT I BE PENILIZED XXXX DOLLARS FOR SOMEONES MISTAKE!

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 2018-08-31 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
As per TFS payment statement there we payments in XX/XX/2018 and XX/XX/2018. However TFS reported 30 day late to credit bureaus

Company response to consumer: Closed with explanation