vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
We had a home that was foreclosed on back in XX/XX/2012, and we are no longer in possession of the home. To this day, BMO Harris is still calling our son, XXXX XXXX, and leaving messages on his voice mail about collecting monies owed on this debt. Our son was not involved in the financing of this home in any way, and has nothing to do with this mortgage. It is illegal for them to be contacting him about this debt. We never gave BMO Harris his name or phone number as a contact. It is completely illegal what they are doing.

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 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I just recently paid a loan off that I originally opened with XXXX XXXX XXXX back in XX/XX/XXXX. The account was sold to Monterey Financial shortly after I opened the account. Monterey recently reported my account as late 30days, stating I hadn't made a payment inXX/XX/XXXX. I have talked with monterey several times this year and they have never said that my account was missing a payment until today XX/XX/XXXX, when I asked why did I receive a late pay on my credit report at the end of my loan payment which I made on XX/XX/XXXX, for {$190.00}. I was told by the rep that I missed a payment in XX/XX/XXXX, and that the missed payment is the payment I made on XX/XX/XXXX, and that is why we reported you late 30days from XX/XX/XXXX. I received this correspondence via email on XX/XX/XXXX, after 2years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I paid our loan on time via automated phone system. Over a month passed when I started getting calls our payment was late. Spent two weeks being told I was fine but still getting collection calls. After a month of trying to figure out what was going on I was informed the phone payment did not go through as it was a bad account number. This was almost two months after we made the payment to finally get this information. I spent another few weeks calling and getting promises but no replies from GM Financial to correct late reporting issue. The last communication I had with them was they were reporting me 60 pass due and there was nothing they could do for me. I requested a manager call me and again was promised I would get a call back ... .after two more weeks and never getting a call back, I just made three payments. 

Do not consider the fact that it took them over a month to clear a payment and another month plus of confusion and no replies that I should get reported 60 day plus pass due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account Number. XXXX Maturity Date. XX/XX/XXXX.

Term. 24 Months I invested {$1000.00} on XX/XX/XXXX because BBVA Compass promised {$27.00} after 2 years. It has been more than 2 years. 

I had to pay the notary public {$15.00}. postage of {$0.00}. 

I want my money back {$1000.00}. I do not want the maturity date altered to XX/XX/XXXX. 

I want BBVA Compass to pay me {$1000.00} right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted mr. Cooper also known as Nationstar bank to apply for a refinance cash outloan. I talked with the lender and submitted all required documentation the lender. They inquired as to my reason for money to cash out on my property I indicated that I was going to be doing some update repairs or Renovations paying off past that with the funds. I was then emailed a quote which showed the amount that I would be receiving at closing in the fees associated with taking out this kind of loan the lender then indicated to me that because other borrowers defaulted on a refinance loan it would be difficult to get my loan approved. I was also required to send over pictures of my home and was also told that I would have to prove that I live in this home. I then contacted the lender again for specific reasons as too why my loan was being denied and was simply told oh we don't do those types of loans. on XX/XX/XXXX, I emailed the lender again asking for specific reasons as to why my loan was denied and they refused to respond or sent out any denial letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Borrower is able to reinstate the loan and has asked Ocwen for a 30 day extension but Ocwen is refusing. Borrower does not want to file BK because he knows he can reinstate but just needs a couple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I requested that Portfolio Recovery ( PRA ) disclosed the date of last activity on the account from the Original creditor. The PRA can only report the account 7 years from the date of last activity. PRA have exceeded the statute of limitation in my state. I am simply asking the PRA method of verification as how PRA is determining the date of last activity. I am request the last day of PRA credit reporting as determined by FCRA. PRA wil not disclose or validate the date of last activity. I want to settle this account if is completely validated. I am a disable on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section XXXX i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to Santander disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX Debt validation letter sent to XXXX   XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX - I recognized a drop in my in FICO credit score from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. I obtain this credit score free through XXXX App every month. The reason for the drop was 'Derogatory record found '. I was sure this was a case of some fraud or mistake from the company XX/XX/XXXX - I downloaded my credit report from all three credit reporting agencies, including Equifax, on XX/XX/XXXX and did not see any derogatory record. I reported the same to discover to fix this issue at their end. 

XX/XX/XXXX - This mistake was fixed and the credit score improved the following month - Back to XXXX XX/XX/XXXX - My new apartment owner ran my credit report today through Equifax and in the report provided my Equifax , I see that there is a derogatory record again I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute many times and they never solve the issue. I call Equifax by the first week of XX/XX/XXXX and submit personal documents. They never answer. I dispute Inquirys from, XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Also Equifax had change my name for XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a CitiBank card at The Home Depot to buy a lawnmower. After about a month I realized that I had not yet received a statement in the mail, so I went online to get my payment information. To my dismay I found that the payment was due just three days before I went online and a {$27.00} " late payment fee '' had been added to my balance.. 
Two days later ( 5 days after my " payment due '' date ) I received a call from XXXX noting my " past due '' amount and requesting immediate payment. I explained that I had just found out that my payment was a few days past due, and that -- since I had already incurred the {$27.00} late fee for the month -- I would pay the total amount in the next 27 days and bring my account balance down to zero. 
Since that date ( XX/XX/18 ) the company has been calling me EVERY DAY, mostly no one on the other end of the line ( hang-up calls )! They are now calling three and four times each day, sometimes more, with no one on the other end of the line. 
The calls start promptly at XXXX XXXX. Problem is that we are on swing shift and do not get up until XXXX XXXX. or later. I think this is harassment. 
P.S. The late payment fee was supposed to be {$25.00}, not {$27.00}.

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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX credit card partner Barclays cancelled a transaction from my account for no reason with no proper information and warning. This resulted in my flighty reservation cancellation and are asking XXXX extra to honor the same itinerary. XXXX XXXX and Barclays, both have records of the transaction. This appears to me a scam from both companies to get around clients, avoid honoring benefits that come from using an XXXX issued credit card such as bonus miles, bag fee waves and preferred boarding. All items that they falsely advertise.

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 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
I am unemployed and a survivor of Hurricanes Irma and Maria. lost all my belongings with the hit of Hurricanes Irma and Maria in Puerto Rico, where I had been living for the past 5 years. 

I request that the law firm representing Credence Resource Management , LLC will understand that I do not any resources nor income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX repossessed my truck in XX/XX/2017 they are still sending me monthly statements I've heard nothing about them selling the vehicle to reduce my loan balance and this time I loan balance with them is {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello The bank that i am complaining about is BMO Harris. Well at the starting of the month of XX/XX/XXXX my younger brother Who lives in XXXX asked me for some money. For which I called the bank and asked them on how can I send him the money to which they told me the online bill method can be applied to send him the money The process is simply one needs to put in the address and name of the individual and the bank shall send that person the check on the prescribed address. Well, I did the same wrote him a check on XX/XX/XXXX. My brother never received the check as he was continuously in touch with me. on XX/XX/XXXX while i was checking my bank account I realised that the check was cashed by someone. I called my brother and enquired whether he has received the check and cashed it to which his reply was negative. I called the bank and told them to which the replied somebody did cash it. I told them it is fraud someone else cashed it. The bank told me to come into the branch on Monday t file a complaint whereas they will place a hold on the account. On Monday ( XX/XX/XXXX ) as I went to the bank where i met XXXX XXXX XXXX who happens to be a Personal Banker at BMO Harris Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. She asked me to fill up an affidavit and get it signed it by my brother and also asked me to get a police number which I did from the XXXX police department. An affidavit was filled, Signed and Notarized and submitted to XXXX XXXX XXXX which she submitted to the bank. It has been almost three months now there has no development to as per my knowledge I applied for provisional credit which was also declined by the bank. I applied for provisional credit which was also declined. I am lodging a formal complaint against the bank as the Money is FDIC insured yet there has been no sort of reimbursement from the bank.

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 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There is an authorized user account on my credit report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
In my two previous complaints I requested Cooling & Winter for some specific items and I was never provided with them nor was my request in those request were not responded to. 

I asked for contract with my signature on it and I was only provided with statements and a Bill of sale. That is not a complete validation of the alleged debt which is in violation of the FDPA. 

I also requested for all debt collection attempts cease and the lawsuit be dismissed against me and you guys failed to respond to that request. I am only being offered to discuss a payment plan. 

I am a recent XXXX XXXX and I am currently unemployed with no income coming in at this time which will not meet any requirements for a payment plan.

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 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
my wife passed away on XX/XX/XXXX we had mortgage insurance it took several atemps for the ins. com. to get the payoff for XX/XX/XXXX i finially had to do a 3 way call to get the payoff i was aiready XXXX enough from the loss of my wife of 45 yearsthis took all of XX/XX/XXXX then on XX/XX/XXXX XXXX XXXX XXXX sent the ck. for XXXX for the payoff chase motgage said they lost the ck. they could not find it. the insurance comp. put a stop pay on ck. after 30 days on XX/XX/XXXX a new ck. was sent as of XX/XX/XXXX it is still not paid off i have contiuned to make the payments and now am asking for your help all of the ins. cks. have had my account number on them their is no excuse for this not being paid off they have contiuned to charge interest daily this should have been paid off at least by XX/XX/XXXX i  feel when they do finally get their act together they should reimburse the interest from XX/XX/XXXX the ins. comp. said they had never had a bank loss a cks. plus chase was aware that we had mortgage ins. it was part of the loan package with XXXX XXXX that had the mortgage to start with they sold it to chase back in appro.year XX/XX/XXXX i do not this contiuned XXXX i only did the mortgage ins. because i thought i would always go first can you help. my wifes name is XXXX XXXX XXXX mortgage account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I called XXXX to activate my new card ( I haven't used the account in over 1 year ) and found out that someone did a live chat on their website to put their self as an authorized user. They referred me to Experian credit bureau to put my social security number on a fraud alert. I did this on or about XX/XX/XXXX/XX/XX/XXXX. It was all voice prompts and I had to enter my social security number over the phone. Another incident happened to me so I called Experian back and did another fraud alert, again through automated voice prompts, and was told again that they would report this to the other credit bureaus. Where I couldn't speak to a live person at Experian, I called XXXX and they told me that they had NOT received any information on my claim. I find this to be EXTREMELY upsetting for several reasons, with all the identity theft rampant these days, I entered my social security information over the phone TWICE with this credit bureau, they are a credit bureau and supposed to help you and they didn't report it to the other two bureaus. They should be investigated to make sure their telephone number is correct, what happens to the personal information that I entered into their system, why aren't they doing their job?!!!

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 2018-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Hello, me and my Wife requested o copy of our report from XXXX XXXX XXXX. On every single spot where should be our birth dates on our report it says XXXX which is incorrect. We tried to contact Them so They may correct the birth dates on our reports but They told us to contact You. All other credit report companies has same issue with our birthdates. Seems like everyone is missing the correct ones. 
Please help. 
Thank You!

Company response to consumer: Closed with explanation