vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
Good afternoon, I am writing to complain and get help with a very unethical company that now calls themselves Amerihomemortgage Company. We purchased our home in the fall of XXXX XXXX with XXXX. They were great for the first month. We found out or mortgage was sold to XXXX that fall. From the beginning we have had problems with this company not applying payments, and harassing us. The switch between mortgage companies lost the first 2 payments, which we just though was our fault. We did not realize how naive we had been until XXXX of this year. We have been sending XXXX letters to rectify payments that they had not applied to the account, since they decided to send our payments that we have been sending in back, and constantly calling and hanging up about 10 times a day from XXXX to XXXX. We have tried contacting the company, but they refuse to communicate with us, and because we sent them letters, they finally replied with a letter from their attorney to either have us pay XXXX which is the loan, or lose our house. We send in the same documentations we have been sending XXXX to their lawyers, and have not heard back from them either. The situation is still not fixed. We attempted to pay the full amount or around XXXX $ that they claim we owe, so we could then have piece of mind, and take them to court, but they would not even allow this to happen. Our family life is a very anxious and depressed situation due to this, and both my wife and myself have sought out medication, and a lawyer for that matter. Attached are documents showing the information. This company even tried to blame our bank, who gave of trace numbers for the payments in question. We are overwhelmed, so we started researching this company and found we are not the only people to have these problems with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX social security number # XXXX DOB XX/XX/XXXX I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of TN for stilling my driver license thanks to the D.A XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: SC

Complaint narrative:
Hi, Months ago, I noticed I had accounts with XXXX XXXX listed on my credit report. I contacted them with the intention of consolidating the sums and paying them off. Upon speaking with XXXX, I was told that there were no accounts shown in my name, except one of {$37.00}, in which I paid at that time, though it was not even one of the ones listed on my credit report. They transferred me to another department to see if they could find accounts in my name. They could n't. They told me to dispute the accounts with the 3 credit agencies and they should be removed, hence they can not find any accounts associated with my name, phone number or address. 
I disputed them. XXXX and XXXX both deleted the accounts from report. Equifax responded that they had proved the accounts to belong to me, and to contact XXXX with any questions. The phone number Equifax provided for XXXX was not in service. I contacted XXXX again, from the phone number on their website. I was told the same thing, no accounts shown in my name. I asked for a letter stating this, and was told that they can not speak on my behalf since I have no accounts with them ; and to dispute them. Again I disputed them with Equifax with this new information. Even told them to request the phone recordings of XXXX stating this since they state that the calls are recorded. Again Equifax stated that they found the accounts to belong to me and again provided a number not in service for XXXX. At this point I am frustrated because it is affecting my credit score. I am in the process of trying to buy a home. I can not get the XXXX accounts off of my report by paying them because XXXX can not find these accounts, nor can I have them removed because Equifax will not delete them like XXXX and XXXX did after their investigation. When I called Equifax to discuss this I was told that I can dispute them again. I do not know what else to do. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I started a new loan with XXXX XXXX on XXXX XXXX. The agreed terms of the loan were $ XXXX for a 10 year period. 
XXXX XXXX XXXX XXXX XXXX increased my monthly payment to {$2000.00} without prior notice or explanation. They also adjusted my due date without my consent. 

Following is my email correspondence with them : " XXXX XXXX XXXX/XXXX/XXXX : I got a notification that the auto payment was increased to {$2000.00} from previous scheduled payment of {$2000.00}. Why was this changed? The interest rate has stayed the same at 4.25 %? An explanation would be helpful Thanks XXXX XXXX MOHELA 's Response : Hello, Thank you for contacting MOHELA. We apologize for any confusion. Due to the recent due date change for your loans ( s ) the monthly payment got adjusted to accommodate for any interest accrued. '' The change in due date was NOT authorized by me. I have asked them to reset payments to the original loan term of {$2000.00} for a 10 year fixed loan at 4.25 % Any help would be appreciated. 

Thank You XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX XXXX2017 someone used my name and social security number, to open an account with Comenity Bank/Wayfair card. credit limit {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments. 

Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time. 

Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company just added several new collections which I do not have any new medical debt. This is unknown and no validation received and requested {$55.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1100.00} XXXX {$580.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CapitalOne opened a credit card in my name XXXX XXXX, XXXX. I never received the card. It 's never been used. I ca n't log into online banking,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A Warranty Contract was purchased on XXXX XXXX, XXXX, for a 1-year period, and paid in full by my check for {$470.00} into my XXXX account. The Contract was cancelled by the provider on XXXX XXXX, XXXX who also refunded {$320.00} into my XXXX account. No work had ever been done by the provider. No statements or bills were ever received. My XXXX account was sold to a debt buyer who specified a default amount of {$320.00} and expects payment. The debt buyer 's account terms were provided to me on XXXX XXXX, XXXX. I disputed the validity of the debt as well as the default amount and the " return mail receipt '' indicated delivery on XXXX XXXX, XXXX. I have requested detail about the debt charge components since the Warranty Contract had been cancelled. The debt buyer has never addressed any of my dispute points and insists that the amount owed by me is " correct '' per account notes and information from the previous creditor. I have never been provided with evidence that I am responsible for this debt or the details of the charges except the {$320.00} total. 

On XXXX XXXX my credit report was flagged by the Debt Buyer as " Collections '' causing my FICO score to fall from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am filing a complaint against the CHASE bank. On XX/XX/XXXX, I XXXX XXXX decided to get a patent from XXXX XXXX XXXX. XXXX XXXX XXXX said it would take about a year to get my idea patent. I found out on XX/XX/XXXX after continuously calling XXXX XXXX XXXX that it was fraud. The company is being investigated by the Federal Trade Commission. I know there is no statute of limitation for fraud. I never got my patent. I paid it using my Chase account over the phone. I called Chase to tell them about this incident but they do not want to refund the money that I gave for my patent even though it was fraud. 



The Federal Trade Commission entered a preliminary injunction indefinitely freezing XXXX XXXX XXXX and XXXX XXXX XXXX is the receiver : XXXX XXXX XXXX, Receiver Telephone : XXXX Email : XXXX My complaint is that Chase says that it protects against fraud but I know that is not true because Chase has not accepted my case to be fraud and reimburse me for the money that I paid which a total of {$5000.00} on XX/XX/XXXX and {$790.00} on XX/XX/XXXX. The XXXX was the first payment I made for research to start my patent where I only received a portfolio. I received a portfolio which I took to a patent attorney who said it was not researched well. 




Sincerely, XXXX XXXX Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Account # XXXX On XXXX the XXXX I was hit with two over draft fees. My balance currently XXXX, XXXX of fees. Consisting of {$34.00} each. I contacted XXXX and was informed that fees could not be waived manually, but he could submit for a review and they could possibly be reversed. The agent also stated I could callback within 24 hrs to check on status. The same night I called back and I request to speak to a manager, the manger proceeds to inform me that I had to wait XXXX chance of it being reversed. On XXXX XXXX, XXXX I call in the morning to check on status, rep and manager inform me that this is not a process or company policy. I was deceived by a representative and a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21 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: IL

Complaint narrative:
In XXXX of XXXX, I was going to take out my first loan on a car and the first time I was ever going to check my credit report. Transunion has me as deceased and after numerous calls to fix the issue, they have given me the run around. Below are dates and times. 
-XX/XX/XXXX : received denial letter for car loan as it said I was deceased. 
-XX/XX/XXXX called transunion and they said they would take care of it. 
-XX/XX/XXXXwent to social security office and they told me they were all good and it could be human error on transunion part and to follow up. 
-XX/XX/XXXXcalled transunion and the automated said my social security was under maintenance. 
-XX/XX/XXXX called transunion and they said they do n't have any documents regarding my social security and would need to file another complaint. 
Nothing is getting done and I 'm just tired of getting the run around with this company. I 'm not decreased and it 's the only company that has me listed as such. It really weighs on me because I was going to buy my first car and really waited til I was XXXX years old to do this. I wanted to be responsible and now because someone else 's irresponsibility, I 'm stuck and in their eyes, dead.

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 2017-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I am struggling to pay a car note on a vehicle that is no longer anywhere near the value I currently owe. I did not have the best credit score at the time of the purchase of the vehicle and was provided with an interest rate of 16.95 %. I tried to get other financing at that point but I was denied. The car was sold to me at {$26000.00}. To date I have paid a little over {$22000.00} I have a remaining balance of {$20000.00}. I have not been able to refinance the car due to the XXXX XXXX value being between XXXX XXXX dollars. 

I have requested to get out of this loan many times as I can no longer afford it. I have attempted to get a lower interest rate from my bank however I was denied. 

At the time of the purchase the sales person told me I would be able to trade the car in within 3 years however i am so upside down in this loan no one will take this on. If I am stuck in this loan due to predatory lending I will pay almost double for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX, an electronic bill payment was authorized from my personal checking account in the amount of {$340.00} to an account that is closed and no longer an active account. Once the funds were disbursed automatically the bank could not stop payment and advised I contact the credit card company.

On XX/XX/XXXX I contacted Citi Card and was routed to their payment investigation unit providing them information related to the payment and requesting funds be returned immediately. In addition, I also forwarded a letter via certified mail of my request requesting a refund due to the misallocation of the payment. Documentation included the online receipt and proof of payment. Note : Following my conservation with the representative in the Payment Processing Unit I was informed that I would received written correspondence with 15 days as all information provided was being entered in their system as an inquiry on my behalf. 

After no correspondence or response from Citi Card with the specified timeframe and despite the returned postal mailer verifying receipt of the letter, on XX/XX/XXXX, I reinitiated contacted with the company. This time customer service informed they did not have a number for the payment investigation unit advised I look the number up online then terminated the call. 

Any assistance Consumer Financial Protection Unit can provide would be greatly appreciated.

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 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After the Equifax breach or all of our personal info, I read an article put out by the XXXX Association of Realtors warning of the calamities in the housing, mortgage & credit markets that is soon to come when so many of us will have fraudulent charges to deal with. The article directed to an Equifax website that would explain how to put a credit freeze on all 3 credit reporting agencies. I went there and they had a message saying how they were swamped with requests and could not currently have the online request for available but gave a phone number to do it instead. When I called the phone number, the person said they were not set up to take freeze requests. WAhen I asked what number was, the person put me on hold to ask. When he came back he said it was impossible. Everyone has to do it online. I went online to do some more investigation. I found out that the freeze requests are being taken by a 3rd party  company who asks for your full information, including basically all that was lost by Equifax in their hack scandal in the first place. I ca n't see how making consumers risk one more place to have their info get hacked and stolen online is any kind of a solution toward safeguarding their jeopardized credit form a company in which they have no control over how that company uses or does n't safeguard their info. This is outlandish. What can be done? Apart form that concern is another ... .If someone does not have a computer or access to one, they can not be compelled to comply with online requests being the only option. Handicapped or poor people have to be accommodated in another way! Please respond.

Company response to consumer: Closed with explanation