vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, we signed and agreed to a loan modification with our then current mortgage company, XXXX XXXX, to reduce our monthly mortgage payment from {$2400.00} to {$2100.00}. In XX/XX/XXXX, XXXX XXXX transferred our mortgage loan to LoanCare , LLC ( XXXX XXXX XXXX ) without our approval or consent. We received a letter from XXXX stating that the transfer will not affect any of the terms of our loan, however, our monthly mortgage payment has since increased to {$2200.00} and continues to increase every few billing cycles. Also, LoanCare , LLC imposes late fees after the XX/XX/XXXX of every month and charges payment fees to pay by phone or pay online. We currently have approximately {$570.00} in fees owed to LoanCare , LLC. 

We have tried to reach out to LoanCare , LLC and they said will not retract the fees and they will not return our calls about the monthly increases. Also, we called XXXX XXXX and since they no longer service our loan, they would not help. We are deeply troubled by the effects of what has happened in the last 12 months and are seeking to get this resolved and/or receive restitution. 

We believe XXXX XXXX AND LoanCare , LLC should take responsibility for manipulatively changing the terms of our mortgage loan. During the modification with XXXX, when we agreed to lower the payment, we were 6 years into our 30 year loan, but the modification of the loan started a new 30 year life of the loan.So we had lost 6 years of our loan term to modify to a lower payment, only to have the loan be transferred to LoanCare , LLC in which they increased the monthly payment and imposed more fees. I think this is unethical and irresponsible of any mortgage bank entity.

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 2020-04-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into the Chase bank at XXXX XXXX branch XXXX IL in XX/XX/XXXX and spoke with a banker and showed the receipt of my CD I opened in XX/XX/XXXX, for XXXX XXXX. The banker stated they did not have a record of the account being opened or closed even with me showing the receipt from the bank with all the information printed. 

The banker informed me to call the 800 number of Chase corp and the individual stated the same information that he stated. Then I called the number they provided to make a complaint and received the forms from your business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
We purchased our home in XXXX of XXXX my wife and I have great credit and have never been late on a payment. We have been saving to make a large down payment on the home principle to have the PMI taken off. I called XXXX XXXX on Monday XX/XX/XXXX and spoke with a representative named XXXX I asked him for an exact amount of how much we would have to send in to have the PMI taken off. He told me XXXX and some change. So as soon as I got off the phone I made a payment on their website in the amount of XXXX. I called back and talked to the same person ( XXXX ) and told him we sent over the payment and asked him to send a request over to have the PMI removed. He said he would. I called back in a few days later because I never heard back. Talked to a lady this time. ( Didn't get her name ). She said " her system ' showed we needed to pay another {$500.00}. So I asked for a manager and talked to XXXX. XXXX said the agents shouldn't be giving out dollar amounts and he would get the issue to the " executive manager '' and they would get back with me within three days. A week went by and still nothing. So I called again. I talked to a manager named XXXX. This time he said we needed to pay an extra {$560.00}. So I talked to my wife and thought, whatever, lets just pay it and we wont have to worry about it anymore. Made the payment yesterday. Now they are still saying they need to send the request over to have it evaluated. I'm at my wits end with this company. We are doing everything we are asked to do and being lied to at every turn. Can you please look into this and have them pull calls? I know this is all going to the principal of the loan anyway, so its in our favor to make the extra payments. But we are getting lied to and given the runaround just to get us off the phone. I feel that something needs to be done about their shady business practices. 
Thank you so much for your time.

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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Around 2006 my mortgage was sold in a bundle. The original mortgage company XXXX XXXX XXXX XXXX went bankrupt. Ocwen became the loan servicing company for XXXX XXXX XXXX XXXX XXXX. When this transaction took place my escrow money of {$13000.00} disappeared. I tried calling Ocwen on several occasions and wrote them trying to get this matter taken care of trying to find out where my escrow money was. I was pretty much stonewalled. Since they couldn't tell me where my escrow money went I stopped making my mortgage payments. They have been trying to take my house ever since. I file bankruptcy to protect my home but now is going to be discharged and don't have money to pay off the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: FL

Complaint narrative:
Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, XXXX XXXX XXXX XXXX pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper 's ( Nationstar Mortgage LLC ) claims they are legally required to only accept cashiers checks of wire transfers to pay of a mortgage. I requested to pay off a loan with a remaining balance of XXXX with a personal chaeck and told them I was willing to waint until the check cleared for the pay off to be finalized. I also told them that my financial instituion requirres me to travel to a distant branch office to obtain a cashiers check or wire transfer. I explained that my health and the current covid crisis prevents me form such travel and entering the branch office. 
I even aslked them to cite the law that is the pretext for not accepting personal checks and they referenced the feeral laws requiring institutions that requie reporting of 10000 transactions. When I pointed our that this law is a reporting obligation no t a prohibition, they then admitted that the restriction is a Mr. Cooper 's policy. 
My first complaint is that Mr. Cooper ; s continues requiring me to pay interest on a loan that I have made every reasonable effort to pay off. My second complaint is that Mr. Coopers is not making reasonable efforts to accomodsate cutomers affected by the Covid crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I contacted First Collection Resolution and was transferred to Mr. XXXX ; he advised me of additional debts that are under my sons name. 

I advised him with springing this on me I was only prepared to settle the debts in my name reporting on my credit. 

I asked to speak to his manager several times and he said NO. He was very rude and insulting. 

I asked for payment of my debts the ones I inquired about on my credit be removed with payment. 

He stated he and his boss linked my accounts and only as a 1 time courtesy only if I paid the {$860.00} they would do it- I advised I was only prepared to pay the {$340.00} today and would make payments on the other debt however I need a letter regarding that amount and if I truly owed it. 

He began to raise his voice and tell me I only wanted a manager because I wasnt getting g my way and they had never spoken to me. 

He informed me of additional bills of {$66.00} again I was not aware of however told him I could take care of that bill however the {$450.00}. I would need to make payments if the debt was mine. 

I asked for a manager and his manager he said the operations manager doesnt take these types of calls and that I could email if I wanted to again refusing me the opportunity to speak with his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2020 I had a hard hit in my credit from a source syncb/ppmc located XXXX Florida. I did not fill out for anything or require about anything to have this hit when I reached out to XXXX  they told me to contact the company when trying to contact the company they told me they have no records but yet this hit is in my credit report. And meaning I did not do anything to get this on here I would like to get it off and I am having no help getting that Im getting a run around from both companies.

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 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
This complaint is based on violations of the FDCPA and the FCRA by EOS CCA ( EOS ). 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by EOS regarding a phone bill. I only just discovered the account from my credit report. EOS never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with EOS by certified mail. 

XXXX EOS did not respond to my letter and did not validate the debt. 

XXXX In my letter, I gave EOS notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified account with the credit bureaus. 

___ On XX/XX/XXXX and XX/XX/XXXX, the credit bureaus sent me the results of the re-investigations. EOS failed to cease collection of the debt because they falsely verified the unverified debt to the credit bureaus. 

___ Also according to federal court decisions, the failure of EOS to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to the credit bureaus. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

XXXX Based on the aforementioned facts, EOS violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

XXXX DAMAGES : I was denied credit due to the unverified collection account that EOS wrongfully verified to the credit bureaus. 

XXXX RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A charge of nearly {$3000.00} appeared on my Barclaycard statement, which I received in XXXX but did not immediately review, as I have a XXXX balance with no purchases on this account. In mid XXXX, 2020 I wrote to Barclaycard, at the address provided on my statement, to dispute the listed transaction. To date, the company has not responded, other than to report very negative remarks on my credit report for three successive months, thus causing me to lose more than {$10000.00} in existing credit from a merchant with whom I have had an impeccable A+ relationship for many years. 

I called the company, at the number listed on the my statement, in mid XXXX to inquire about the dispute and negative credit reporting. The customer support person began by explaining that with the recent public health concern they did not have time to investigate disputes. I told this person that the bank still had time to perform all of it's other functions, like reporting false account information to the reporting agencies, and that investigating a dispute was not an activity at risk. I also informed this person that his attempt to hide incompetent or illegal bank activity behind a public health crisis was offensive to me.The customer support person then hung up. I therefore received no useful information based on my phone conversation with the bank 's representative. 

The bank is clearly operating illegally as I timely and correctly delivered my dispute to the appropriate address, made an attempt to follow-up and to date have yet to have the transaction treated as " in dispute ''. All of my existing credit has been taken away due to the false reports that Barclaycard is making on my credit report.

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 monetary relief
Consumer complaint received 2020-04-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a death in the family and did not realized my funds were not available for my monthly platinum card payment due to my client 's late payments. I did not receive any phone calls from AMEX, but rather once my platinum card stopped working, I called in and found out and tried to rectify the matter. However, the person I spoke with said I had to wait for three attempts to take funds out of that account before a payment could be made. I told them the funds would not be available and I wanted to cancel the payments being taken from that account and they said that was not possible. They told me I had to have the bank do a stop payment. I tried to call AMEX again, but it was too late, the second round of requests went through. This time, the account that was used was another account saved to the profile, which was no longer a valid account. So I told them, again, this was not going to have funds. They said we had to wait another three times before I could make a payment. I went online and reprogrammed the correct account, which for some reason had deleted from the system. Th the third round started, and again, it defaulted to the incorrect account. What a nightmare that the computer going awry could not be stopped! Then I found out they closed both of my accounts, including one that had never had a missed payment - I have had a perfect payment history for over 15 years. Every time I have called over the past 4 months they try to get me to a supervisor, most of whom are unavailable and when I give my number to get a call back, I more-often-than-not do not receive a call. When an employee in one of many departments does try to do anything they also say they will call me back and do not. None of the departments have any regard to my loyalty as a long term customer nor to any personal loss I have had. They throw their hands up and say they can't do anything about how the computer is set up and can not override it and they throw up their hands and name off other departments that might be able to assist me, none of which seem to be able to assist ... or they say I can re-apply. I have been getting the run-around, a big whirlwind of no one seemingly doing anything. They also each read off the same script over and over and continue to not treat me like a human being, but more like a robot. Every phone call I make is a two hour process where I am also being told things like, " you do not need to call us, we will call you, '' yet I do not receive that returned call. I have only been trying to be proactive and give AMEX money, but they are not trying to be of any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX Transunion dropped my rating by 170 points based on a delinquency report fromXXXX XXXX in the amount of {$200.00}. 

XXXX XXXX claims the amount due based on a contract for the property at XXXX XXXX XXXX XXXX XXXX XXXX, our residence until its sale on XX/XX/XXXX, XXXX.We attempted to cancel this service with the security co XXXX yet they continued their billing after the sale. 

The original contract was with a different organization dated XX/XX/XXXX and that co, was subsequently acquired by XXXX and our payments for the duration show no delinquency Billing after the sale of the home is pure fraudulent intent.

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 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Its not letting me link the bank to my apps saying that theres a problem linking with this bank or it says that the bank changed authorizations about letting me link accounts to my apps without my permission

Company response to consumer: Closed with explanation