vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, I work with a company overseas. They use XXXX  transactions to send money. 
My bank is Ally Bank. Ally apparently does not have their own XXXX code, they use a code through XXXX XXXX. This seems to be the heart of the issue. 

I worked very carefully to get all of the information to give the company from Ally. I gave it to them as directed. But my transactions never came through. 

The sending bank XXXX XXXX in XXXX XXXX made two separate transfers. 

1st payment : XXXX XX/XX/XXXX for XXXX Euros 2nd payment : XXXX XX/XX/XXXX for XXXX Euros As far as what the told me, the money did not come back to them. 

I called Ally on many many occasions. 
I called on XX/XX/XXXX I called on XX/XX/XXXX I called on XX/XX/XXXX. This time they told me they needed the 'tracing number ' of the original payments. I called back a week later with the tracing information. 
I called again on XX/XX/XXXX I called again on XX/XX/XXXX I called again on XX/XX/XXXX Ally escalated it to an executive resolutions team. The executive resolutions team did an investigations and told me that they will not be able to do anything. 
XXXX said that they would only begin an investigation if the receiving bank requested it. Ally refuses to look into this matter any further. 

Right now, I have over 400 Euros sitting in an account somewhere and Ally ( my bank ) refuses to send an e-mail to XXXX asking where it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Company sent me a debt collection letter. Payments were made electronically and received on time. This company is a interim loan company since ditech went out of business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
chase bank froze my account and stated they would permanently close it. all this after i filed a claim for {$80.00}. they still insist to close it. now ... .they are trying to freeze it over {$1.00}. i deposited the dollar yesterday. there was {$80.00} credit from the claim which i reversed. Chase not credit the account {$1.00} to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with Experian. 

XXXX is not reporting my history to Experian correctly. The other two bureaus are ok. 

1 : XXXX is reporting to Experian that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from XXXX ( attached ). 

2 : Because this account was negative when it was closed, XXXX needs to report a Date of Original Delinquency to Experian. Right now, the date Experian is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from 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 non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Hello, I moved out of XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, in XXXX of 2018, my lease expired in XXXX of 2018. I paid my full amount owed at the time I moved out of the property including pro-rated rent for the portion of XXXX I did not reside at the property to satisfy my lease. Please note I never had a late payment in my tenure as a resident at this rental property, ~XXXX years. My credit profile prior to this erroneous credit notification has been exemplary. 

XXXX XXXX never contacted me regarding a residual balance. Now 9 months later they have sent me to collection for a balance of {$100.00} with creditor Nation Credit Systems , Inc. XXXX XXXX XXXX, XXXX , GA XXXX, phone number XXXX. 

My credit profile should not be impacted due to XXXX XXXX in office book keeping deficiencies. I feel this is a malicious predatory business practice that is unfairly persecuting me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been contacting Transunion to remove a hard inquiry on my credit report that was done without my approval. The hard Inquiry was done by XXXX on XX/XX/XXXX. I contacted XXXX   regarding this and they stated that I have to contact the credit bureau to have it removed. I contacted Transunion and was told to fax a copy of my credit report and a letter requesting the removal as well as a copy of my ID and address and I did so. I am yet to receive a response from them. Today I contacted XXXX again regarding the issue and they stated that I should go to www.consumerfinance.gov and submit a dispute. Upon doing so It stated that I could not submit the request online and to contact Transunion by telephone. When I contacted Transunion by telephone I was told that I needed to contact XXXX and have them send me a Letter of Removal and then mail the letter and my request to have it removed. I then called XXXX who then notified me that they do not send out letters of removal. I am very frustrated with this issue as this inquiry was not done with my approval in the first place and now I am being given the run-a-round to have it removed. I would like to file a complaint on both Transunion and XXXX on this issue as both companies have failed in having this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: OH

Complaint narrative:
PURCHASED HOME IN XXXX FOR {$39000.00}. REFINANCED IN XXXX WITH XXXX BAL INCREASED ON MORTGAGE TO {$76000.00}. ENTERED INTO HAMP AGREEMENT WITH XXXX XXXX BALANCE INCREASED TO {$99000.00}. XXXX SOLD MORTGAGE. 
BSI MORTGAGE SERVICER. DEBT FORGIVENESS OF {$44000.00}. WHY DID THE HAMP AGREEMENT INCREASE MY MORTGAGE AMOUNT? HOW DO I DETERMINE WHAT IS THE ACTUAL MORTGAGE BALANCE WHEN MORTGAGE SERVICERS CHANGE EVERY YEAR?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Marcus by Goldman Sachs was offering a promotion where the terms were to open an account by XX/XX/2019, deposit {$10000.00} XXXX or more of new funds into the account within 10 days of enrollment, maintain these funds for 90 days, the account holder will receive {$100.00} bonus. I fulfilled these terms ; I opened my account on XX/XX/2019, immediately transferred {$10000.00}, kept the funds in there for 90+ days. 

I called into their customer service department to follow-up on my bonus and after multiple discussions, they noted that on their system, it did not show that I clicked on the offer link. Because of this and despite me fulfilling the offer terms, they could not grant me the account bonus. I am very confident that I clicked on the offer link as I even saved the webpage as future reference. Marcus is not fulfilling their end of the advertised promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have been deffering my property taxes fo 10 years. First with Nations star ( took over XXXX XXXX XXXX   loans as I recall ). As provided by Texas law. And now the loan is with Mr. Cooper. 

For some unknown reason Mr. Cooper paid all of the accrued property taxes ( in error I assume of {$69000.00} ). They indicated they had contacted XXXX county to get a refund because of the error and XXXX county advised it would take 60-90 days to respond. 

In XXXX they informed me they would have to raise my payment from {$1300.00} to {$3100.00} ( {$1700.00} ) I assume to reimburse them for their error. I can not afford that, the reason I was defferring taxes. 

I complined about the action and they responded. And after talking to several representatives. They advised me my payment would remain at {$1300.00}, and the XXXX statement reflected that amount. I have a response stating that amount. 

Today I recived a new statement dated XX/XX/2019 due XX/XX/2019 and the escrow account is $ XXXX. Back to the original problem.. 

My loan number is XXXX. 

I am concerned as I am on a fixed income and can not pay the additional {$1700.00}. 
Why should I be penaalized for their incompetence? 

I understand that everything will be paid when we sell the house and or the owners are deceased. 

Your help or advise would appreciated. 

Respectfully, XXXX XXXX 512 t

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
I can not give you any information about this company because this company never sent me a bill statement, documents, any Letterhead company letters, in any fashion unto me ever since the debt from XXXX XXXX, that was sold to Jefferson Capital Systems LLC posted this debt on my Credit file. The amount of the debt was {$5600.00} and the balance {$5000.00}, I never paid any difference to this debt that leaves this balance on me to pay. This debt is from a school that I did attend from XX/XX/XXXX and graduate XXXX and then try to go back after graduation to get my bachelor 's degree, but my disability caused me to not be able to continue study and I stopped online school in XXXX. I did try to dispute this debt online with XXXX and XXXX, but I did not get the dispute that I needed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: GREAT LAKES
State: GA

Complaint narrative:
Hello, I applied for a student loan back in XX/XX/XXXX-XX/XX/XXXX, My payments were supposed to start in XX/XX/XXXX. I was young and unaware of the importance of credit letting my payments get behind, before getting my payments deferred in order to go back to school. I was under the impression that the deferment would last as long as I was in school but XXXX courses do not qualify. A few more payments were missed due to confusion. I have now made payment arrangements with the Loan company getting my payments on tracks, was wondering if there was anything else I can do in order to get my on time Payment cleaned up. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I selected a Southwest round-trip flight for four, scheduled for XX/XX/XXXX-XX/XX/XXXX, XX/XX/2019. The total came to approximately {$2300.00}. On the check-out screen, there was an offer to apply for the Southwest Rapids Reward card by Chase. The promotion being offered was {$200.00} statement credit and a points bonus for spending {$500.00} in one month. The web site stated that my Chase credit card application could be approved in 15 seconds, and that I would be redirected back to the XXXX web site to complete my purchase and earn my promotional bonuses. 

I applied for the card, clicked " Submit, '' and within 15 seconds was taken to a screen stating my credit application was approved. The page stated that once I clicked " Continue, '' I would be taken back to the XXXX site, where my promotion would be applied and that I had 30 minutes in which to complete my ticket purchase. 

I clicked Submit, was redirected to the XXXX site, but nothing happened. The page hung and refused to load. I touched nothing, worried that if I clicked anything, I might not get the applied bonus. 

I waited five minutes, then called Southwest Customer Service, where they told me it was a computer glitch and that literally nothing could be done about it. I called Chase, and they told me the same thing. 

So now I have applied for a card and had my credit score pinged for a bonus I did not receive, as I still need to book the flight today and have no further use for the card. Southwest told me there was no way they could hold the flight, or credit me {$200.00} for it, and Chase told me there was no way to get my card number so that I could use it on this exact flight, as advertised. Southwest tried to blame my computer for the hangup, and Chase told me " we aren't XXXX XXXX, '' refused to offer an additional statement credit or any kind of courtesy for their glitchy process, and on top of it had the nerve to say there was no customer service issue. Obviously this is a bait-and-switch to get people to sign up for their card on the spot, a mistake I will never make again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TX

Complaint narrative:
Reached out to Chase regarding keeping our account open. The account was 86 days past due and I was told by 2 different reps that if the additional {$300.00} was paid same day, the account would not be closed. I paid a total of {$570.00} in 2 days and then they closed the account even though the payment posting date was XX/XX/28 as they instructed me to do. Now they are saying it was a glitch but they are not able to reopen the account because it fell 90 days past due even though the payment was made with them over the phone to avoid falling 90 days past due. 

I feel lied to. They wanted {$600.00}, they got it and closed the account anyway. I want the account re-opened as they promised. Both calls were recorded and the rep today could see where I did everything I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to contact BANK OF AMERICA Loan department and after 2 months and no answer i don't know what to do anymore. 
All I need is to talk to the loan agent on my loan to get the taxes included in my monthly payments, nothing difficult ..BUT BANK OF AMERICA does not have the person in charge return my calls.. and nobody else can't help because ONLY ONE PERSON CAN HANDLE THE LOAN ... .. very frustrating the customer service at BANK OF AMERICA. 
Where do I go Now ... ..I am hostage of BANK OF AMERICA ... . 
PLEASE HELP. 
THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
This debt they are attempting to collect after I have shown proof it was included in my Bankruptcy.. it showed up on my credit report after I paid the hospital bill through the portal. I never received any documentation in reference to this old bill only the new account from the hospital directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: CA

Complaint narrative:
On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from Selip & Stylianos because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only XXXX XXXX credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a XXXX XXXX bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and XXXX XXXX, in which XXXX XXXX responded with a letter dated XX/XX/XXXX. 
In this letter XXXX XXXX states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the Attorney Network ( NAN ) with the firm Selip & Stylianos, LLP on XX/XX/XXXX. This firm was previously called Cohen & Slamowitz , LLP. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. XXXX XXXX also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XXXX which happened to be a secured XXXX XXXX credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from XXXX XXXX or Selip & Stylianos regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS Collection agency is reporting an account in collection. This account was paid off ( it means it is not longer in collection ) and stills showing in collection. 
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: MA

Complaint narrative:
Already submitted complaint via phone. XXXX says they did not receive payment, but I have proof of payment. Nearly impossible to get live person on the company phone. My credit has been impacted and late fees need to be removed.The Loan # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS is in violation of RESPA and CA Home Owner Bill of Rights. 

CAHBOR requires lenders and servicers operating in CA to allow homeowners to avoid foreclosure via loss mitigation options including SHORT SALE. SPS is acting as a foreclosure mill and trying to force only foreclosure options which is ILLEGAL. CA HBOR requires lenders and services to help homeowners AVOID foreclosure. 

SPS is in violation of RESPA which REQUIRES lenders and servicers to work a foreclosure alternative program request and provide answer within 30 days. By SPS refusing to open a short sale request they are also in violation of RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
All Four accounts showing overdue and in collections from XXXX, XXXX, XXXX, and XXXX were previously paid and are falsely being reported to the credit agencies. I have attached the receipt I requested from the collection agencies.

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