vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I HAVE CONTACTED EACH COMPANY TO WHICH I HAVE GOTTEN CORRESPONDENCE FROM THEM STATING THAT THEY HAVE REMOVED THE INQUIRY FROM MY CREDIT REPORT. THESE CREDIT INQUIRIES ARE LINKED TO MY IDENTITY THEFT THAT I HAVE BEEN FIGHTING. THERE IS PROOF THAT I HAVE BEEN INVESTIGATING THESE CASES A LONG WITH XXXX POLICE DEPARTMENT HERE IN XXXX INDIANA. I HAVE PLACED ALL LOCKS ON MY CREDIT PROFILES SENT PROPER DOCUMENTATION TO THEM AND THE CREDITORS THAT OBTAINED MY CREDIT WITHOUT MY CONSENT. I HAVE COOPERATED WITH EQUIFAX XXXX AND XXXX ON THIS MATTER AND EQUIFAX REFUSES TO REMOVE THESE OFF MY REPORT. THEY ALSO FAIL TO RESPOND TO MY MAIL REQUESTING VALIDATION OF ORIGINAL DOCUMENTS WITH MY SIGNATURE ON THEM. 

THIS COMPANY ALSO HAS REMOVED MY XXXX ACCOUNTS OFF MY REPORT WITHOUT AUTHORIZATION AND RE INSERTED THESE ACCOUNTS AGAIN WITH OUT NOTIFICATION OR AUTHORIZATION FROM ME. I WANT THESE ACCOUNTS THAT THEY RE INSERTED ON MY CREDIT REPORT REMOVED COMPLETELY. 

THIS COMPANY FAILS TO REMOVE AN XXXX EVEN THOUGH THEY HAVE DOCUMENTATION FROM THE COMPANY AND COPIES OF LETTERS I RECEIVED IN THE MAIL STATING TO REMOVE THESE ACCOUNTS THEY WILL NOT REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Multiple years ago I had financial crisis, was about to go bankrupt, and missed many HOA payments. Later when I graduated from college and was able to pay, I made restitution with the HOA and payed XXXX of dollars in back fees. 

However without my knowledge or constant, the mortgage company paid the HOA fees and both companies still let me pay the back fees. So now that I am XXXX dollars away from complete I got my 15 year mortgage loan, Chase Mortgage is claiming that I owe over XXXX dollars in corporate fees. 

At the time when I repaid the back fees, I enlisted a Nevada attorney named XXXX who handled the communications. Now that lawyer will not return my calls. 

Nobody at Chase Mortgage will speak to me except the " debt collector '' who expects me to just come up with a wire transfer of over XXXX. 

Chase sent back my last mortgage payment and now is telling me that it is late. 

I feel that I am the victim of predatory lending scam to steal the small townhouse that I have faithfully paid the mortgage on for over 15 years. 

Please help me! Please launch an investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2016 I paid my XXXX phone bill of {$220.00} and it cleared my account on XX/XX/2016. About the XX/XX/XXXX I filed a dispute on XXXX charges. 

Someone at Chase included my XXXX payment of {$220.00} in the claim. They have admitted it was Chase error. 

I NEVER disputed XXXX charge. However, it was charged back from XXXX. 

I have dealt with XXXX collections and had to REPAY another {$220.00} to keep my service active. I had to Pay twice for my XX/XX/XXXX phone due to Chase error that they will not return while they figure it out! Chase has NOT returned my money! 

in the amount of {$220.00}. It is not at XXXX ( I have verified with XXXX ) I have spoken with the claims dept at Chase to no avail. I 'm told each time that it will be another 5-7 days. It has been 4 MONTHS! 


This is outrageous! I NEVER filed a claim on XXXX! 

The amount was NOT returned to my account! The Amount was NOT returned to XXXX. 

THIS IS UNACCEPTABLE! 

PLEASE HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD bank advertises foreign currency and exchange services however the daily rate on the bank website is not honored when customers exchange currency at the bank. Upon follow up the bank has no department or customer service agents that can address such discrepancies exempt to refer back to the branch. The branch staff defer to the bank as they have a set rate in the computer they are quoted to follow and they are under no obligation to honor the exchange rate quoted on the website. 
I exchange {$1900.00} XXXX on XXXX for XXXX at a rate of XXXX which equals XXXX XXXX for every dollar. The official TD bank exchange rate quoted on the website on the same day and same hour was XXXX or XXXX. The difference for the total amount was XXXX in addition to the exchange fee. The market rate on the same day was XXXX to {$1.00}. 
TD should honor the rates on its website and should give their custody service the training and tools to address calls on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX from XXXX County XXXX XXXX Kentucky. I originally was told by XXXX XXXX XXXX Owner and General Manager that I was buying the vehicle for {$10000.00} and financing with Huntington Bank a small loan of {$1000.00} after putting down {$9000.00} cash. I later checked my XXXX XXXX XXXX sales sheet and discovered that the dealership with Huntington Bank 's assistance copied XXXX different sales sheets together and falsified the amount that I purchased the vehicle for from this dealership. I have faxed a copy of this false document that surly Huntington Bank did see in processing my car loan with them. I also discovered that the dealership forged my name on a XXXX fast cash loan document for another {$3500.00}. XXXX has told me they have started a bank fraud investigation against this dealership in this matter. I am XXXX Years Old and just got out of the hospital for two weeks and XXXX. Huntington Bank now has me owing them a car loan to them that my name was forged on their loan documents, clearly also the dealership used a false sales document that ultimately has me owing over {$23000.00} for a XX/XX/XXXX XXXX that has a blue book value of less than {$6000.00}. 

Huntington Bank and XXXX XXXX XXXX committed bank fraud against me and actually according to XXXX had even their money sent directly to the dealership and at no time does this money show up and is accounted for in this transaction. I have also filed a Complaint against the dealership and asked the State of Kentucky also to investigate this situation. Huntington Bank has me paying the Dealership a large amount of Dealer Reserve with an interest rate of nearly 5.0 % for 72 months even though my credit score is XXXX XXXX. 

I have asked the Dealership Owner to take back this vehicle since they committed multiple counts of bank fraud and the Owner has simply just threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Bank of America would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Bank of America is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.

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 2015-05-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
After approx. XXXX ( XXXX ) total Total and Permanent Cancellation, Deferment, Economic Hardship Requests in addition to Loan Discharge Applications in addition to appeals to my congressman, referrals to XXXX and supporting documenation from physicians plus XXXX ( XXXX ) changes in servicing entities, my medical condition has been ignored until the loan, originally made for attendance online at XXXX XXXX University, XXXX, XXXX for {$6000.00} now stands at {$8900.00}. During that time the interest rates that have been applied have continued to change from 11.25 % to 7.25 % to the current 5 % with an outstanding principle of {$10000.00}. I had XXXX, XXXX, XXXX and most recently, a XXXX while doing my best to finish my degree at XXXX XXXX and then proceed to be certified in XXXX from XXXX University thanks to the good graces of the XXXX and XXXX XXXX of the State of XXXX. This I accomplished with excellent grades while attempting to make headway on repayment of my loans at the XXXX XXXX. I turned XXXX years if age XXXX 2014. On advice of numerous help agencies and after contacting my loans ' latest servicing entity, I contacted legal counsel and was advised of my right to seek redress through the courts. I made contact with the Financial Aids Office at XXXX XXXX and was referred to cfpb citing the feeling that legal redress might not be necessary. It is with this hope in mind that I hereby wish to file a complaint and offer reams of paperwork that has been submitted, resubmitted and repeatedly ignored in mine and my physicians ' substantiation of my XXXX claims. I currently receive {$1000.00} per month from XXXX and find continued repayment of this debt an extreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I started the payment plan with the department Of education in XX/XX/XXXX I was only billed {$5.00} A month as long as XXXX consecutive payments were made of my income. After the XXXX consecutive payments navient took over as my loan servicer. I had received an email saying starting XX/XX/XXXX I had to pay {$390.00} a month horrified of the email because I can not afford that I had called customer service and she had told me to put a forbearance on my loans and fill out a request for an income based repayment plan. I went to the IRS link provided and imported my tax information straight to the income based plan. ( MIMind you I did n't even make {$XXXX} in XX/XX/XXXX ) I received an email the next day saying my request had been received and is processing. I received another email from navient stating I owe {$390.00} due XX/XX/XXXX. Ii have an almost {$400.00} student loan payment on an {$XXXX} Income and also checked I 'd like my servicer to provide me with the lowest monthly payment possible. Which obviously is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying to get my loan with Navient resolved for a long time. During that time, they continued to tell me to keep my loan in forbearance while trying to figure how to pay my loan. I did notive how much my loan was capitalizing in interest until recently. For the past 8 months, I have submitted applications for forgiveness as I am a teacher and for an IBR. 
Navient eventually told me that I needed to consolidate my loans and use XXXX, which I have recently done and am still waiting for my loan to get on an IBR so that I can try and work towards PSLF. The problem is that my loan has accumulated so much interest that it is not manageable and even on a IBR it will negatively amortize. 
I am finally in a place where I can started paying my debts back but while with Navient has doubled my loan, which means on an IBR my loan will end up being high after 25 years of paying it than it is today and this is the loan program they are saying is in my best interest. They is XXXX and Navient. 

The interest accruing is over XXXX a month at this point. I need help. I have just started paying the interest because I just put it together that what is being advised by the servicers is not in my best interest and is putting me in a perilous situation. 

Please help. I want to start paying my principal down and do n't know how to with such a high amount of interest accruing from the loan being in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help 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 2015-03-19 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with XXXX and XXXX. 

I have a verbal recording that was consented to by them on yesterday XXXX/XXXX/XXXX between XXXX RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly. 

The property in question was a home I purchased alone in XXXX that became a rental property when my husband and I purchased another home in XXXX. The home was lost due to an illegal foreclosure by XXXX or XXXX as its now known. I attempted to rectify this situation, as my tenant and the XXXX Housing Authority failed to make timely or payments at all in some instances but my only resolve has been the receipt of an {$1100.00} settlement check from a national Class action lawsuit, naming XXXX at fault for the wrongful/Illegal foreclosure. 

As stated before if the only resolve short of litigation is to pay the debt, I have no problem making a settlement to rectify the situation if that is whats necessary to satisfy the XXXX mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in XXXX XXXX. Therefore my husband, myself and XXXX children are displaced due to their false representation. 

We have attempted contacting the credit bureaus as well and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: AL

Complaint narrative:
Dear ACS Education Services, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
XX/XX/XXXX, it was reported that I was 60 days late on my ACS account. This was reported to all XXXX credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page XXXX ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX University during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called ACS Education Services and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : ACS Education Services XXXX ... 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
OCWEN LOAN SERVICING , LLC . I have fallen behind on my mortgage due to being laid off. Since XX/XX/2016 I have been trying to get a modification. I am given the run around, they request the same info, letters, paperwork over and over. Always say my application is incomplete. They are now sueing me and taking me to court to Foreclose on my home without offering me any kind of payment plan or any kind of modification options. I have already written my Attorney General 's Office and I am awaiting their response. This company has been repetedly sued, they have an F rating with the XXXX with a negative score of XXXX %. They have taken so many people 's homes using unfair and fraudulent practices. Someone please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
To whom it may concern I have been around and around with every service mechanism your company has available and I 'm really very disappointed in everything I 've experienced in the last few days. I did my taxes through XXXX, I have been told by your company Rep " The tax preparer must send it to Rush '' that is not the case. I have contacted the IRS twice and they have verified both times that they have sent my refund to which is your bank. 

The only thing wrong is my account number which the correct number is I have been told by your rep that " my account ca n't be located '', thing is it 's the same account that my payroll check has been deposited to since XX/XX/2008. This is absolutely and totally unacceptable. The refund was sent by the IRS in the amount of {$10000.00}, my personal information is as follows. 

I 've been told by your company representatives that the tax preparer will send the refund to you and that is not the case. The IRS sent it to the account information mentioned above. 

I 'm sending you my contact information in hopes that a human being contact me shortly in hopes to resolved this in a timely manner. My next step is to contact my lawyer and at this point I do n't think I want to be a rush customer anymore. Please contact me A.S.A.P. so that we can get to the bottom of this. Cell phone number, your file email address is. However please contact me using. Again if this is not resolved shortly I and my lawyer will be contacting Rush Card corporate offices first thing in the morning. Your prompt response and assistance with this matter is greatly appreciated. 

Many regards

Company response to consumer: Closed with explanation