vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
1 ) For a debt, I paid a healthcare loan provider ( a bank ) remaining total balance ( {$2900.00} ) on XX/XX/XXXX. 2 ) I had second thoughts, sent email about wanting to withdraw payment and change it to {$2000.00}, and asked how to proceed. I was not contacted about this but noticed payment was processed according to my bank statement showing it was debited. 3 ) I decided to accept this and move on. 4 ) But then noticed I got billed as if payment was not made. 5 ) I called creditor who stated payment was not made and I questioned how that could be when my bank shows it was and I emailed transaction number. I advised that I don't want the money back, to keep total balance payment. 6 ) Creditor then stated that a check was mailed to me and I stated I did not receive it and asked why they would send it twice, via bank and mailing. 7 ) Bank statements were requested to prove that I made this payment and I asked why they claim they send the money back if they said it was not received in the first place. 8 ) After faxing, I called for status update and was told my payment will be returned. I again stated I don't want the money back, just want to end this and close the account. 9 ) They sent me a  check for {$2700.00} dated XX/XX/XXXX and they continue billing and charging me interest stating that I now I owe {$600.00} when I had paid in full on XX/XX/XXXX. During all this back and forth, bank continues billing and charging interest in spite of total balance being paid and debited from my bank and it appears this will continue to add up. 10 ) It seems to me that I'm being swindled. When I addressed their contradictory information, I would not get a straight answer ; they were evasive. When I asked for a name to fax information, they would not provide it. All the above should be reflected in phone conversation records they should provide for all calls I have on my records. An investigation is warranted.

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 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I decided to request a payoff from Nations Star, now Mr. Cooper. The payoff, as well as the statement shows a whooping $ XXXX owing in escrow alone. I called and was told this was due to the disaster in our area and this is the forbearance. My immediate thoughts were this company has overcharged us with erroneous, exorbitant fees. We are requesting an investigation of the entire negative balance of $ XXXX.We further request that this is in itemized format to account for every dollar and someone who has the ability to articulate this to us. Further, their is an amount showing of {$3100.00} for interest during XX/XX/XXXX through XX/XX/XXXX. Although payments are running late due to last year 's disaster, we continue to make payments and a modification was booked and approved. We were turned down for a forbearance. Now all of a sudden we are in a forbearance? The representative could not explain this, only saying ... .because of the disaster??? What? As a federal employee supporting warfighters I have requested federal agencies to investigate this immediately following Mr. Cooper 's explanation. Lastly, we were in XXXX for five years, which was completed in XX/XX/XXXX. It has been only two years since this completion and payments were automatically debited to pay mortgage. We will also include this information while investigating this lender requesting {$28.00}, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Svc XXXX XXXX XXXX XXXX XXXX, MS XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This began about 5 years ago. We applied for and received a loan modification, because of financial hardship. It was about a 6 month process because of lack of communication on the part of TDBank. That following XXXX, TDBank tripled our mortgage payment without informing us in order to pay taxes TDBank had not paid. My husband and I had no idea until TDBank sent a payment back in XXXX of that same year. Since then, we have tried multiple times to get a loan modification again. We get so far with an agent, and the company switches us to another agent without our knowledge to begin the entire process again. TDBank has frequently lost our paperwork. We wait 20 minutes to speak with someone, then get the runaround without resolution. At one point, we were turned down, because they entered incorrect paystub information stating we made less money per week than we actually did. We eventually hired a lawyer who also struggled with TDBanks lack of transparency and customer service. We currently are working with a HUD advisor from XXXX XXXX XXXX ( XXXX XXXX ) who advised us to communicate with you. If necessary, I can go back through everything and try to find all of the emails and documents. There is a lot. We have a mortgage and a soft second mortgage through TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
My FICO score dropped significantly due to unpaid debt to a XXXX  credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX store card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( 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 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I received an offer from Chase Slate for a zero percent balance transfer on XX/XX/XXXX. I submitted a request for balance transfer to go to two of my XXXX XXXX accounts on that same day. One in the amount of {$9000.00} and one in the amount of {$6000.00}. With a balance transfer fee totaling {$750.00}. 
I called to check on the status on XX/XX/XXXX as XXXX XXXX had no record of the transfers. Chase representative advised to call back on Friday, XX/XX/XXXX, if they still had not been processed. The Chase representative indicated that the payments were electronic transfer, and should be cleared by then. 
I called back on XX/XX/XXXX to again check the status. I was advised at that time that they were not electronic, but cashiers checks that had been mailed on XX/XX/XXXX. At that time, it was indicated that it could take up to 21 business days for the checks to process, and there was nothing that could be done until that time. Upon requesting to speak with a supervisor, I was told the same thing, that I could call back on XX/XX/XXXX to request that an investigation be started on these checks. The supervisor specifically said XX/XX/XXXX. I also expressed my concern that there was a payment coming due on XX/XX/XXXX.  The representative would not validate this concern, stating that it for sure would be resolved by that date. 
XX/XX/XXXX, called back, as the balances are still showing on XXXX XXXX and are now showing on my credit report as balances for both Chase and XXXX. The representative manually counted the dates and indicated that an inquiry and escalation could not be technically filed until XX/XX/XXXX, as that was really the 21 business days, due to a holiday. I became insistent and told her that the escalation needed to happen on that original date given to me by the supervisor. She did begin the inquiry escalation process, which I was told could take up to 30 additional days to complete. She also indicated that it may be rejected due to the time frame not being met. But that I would hear something regardless within 3 to 7 calendar days. Today being XX/XX/XXXX, calendar day 6 and I have not heard from them. Nor have the checks been received or processed by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Hillcrest Davidson & Assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: TX

Complaint narrative:
TransUnion XXXX XXXX  Credit Report Period XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance XXXX Original Balance i sent transunion the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/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 2018-10-15 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: AR

Complaint narrative:
in XX/XX/2018 I disputed a account with XXXX, and Equifax, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, XXXX  and Equifax your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Credit Report Period XX/XX/XXXX Account Number XXXX  Condition Derogatory Responsibility Individual Current Balance XXXXXX/XX/XXXX Original Balance i sent XXXX the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX   Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease OpenedXX/XX/XXXX ReportedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In the first week of XX/XX/2018 I received a note that my bank, BankUnited in XXXX, Florida, transferred ownership of my mortgage loan to a different service provider. In the letter I received, I was told that I had 30 days by federal law ( from day of notice of transfer ) during which I could send the original payment to the original bank and they would be obligated to forward it to the new loan holder and without incurring any late fees. BankUnited, however, refused to accept the payment in violation of federal law. I then called their helpline and both the person who answered the phone and supervising manager told me that they were under no federal obligation to receive the check and could also not tell me where to send the payment to. After the call, I researched the aforementioned law and found that BankUnited has in fact ran afoul of the law by refusing to accept my payment during the statutory allowed period. Today is only XX/XX/XXXX, meaning I am still within my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
On XX/XX/2018 I received a Forearance Agreement from Seterus Inc the mortgage holder on my home. There were several discrepancies from what I was told over the phone the previous two weeks by representatives of Seterus I was told I could apply for a loan modification before the end of the agreement and if it was denied I would still be able to reinstate the loan by paying the monthly amounts past due and the difference in the forbearance payments and the monthly amounts owed The Forbearance Agreement however states " The loan will not necessarily be reinstated. '' Also on XX/XX/XXXX I received a " Notice of Acceleration '' from the XXXX Law Firm indicating they were going ahead with foreclosure. Attorney XXXX from XXXX was unaware of the Forbearance Agreement. 

Further, representatives from Seterus said they have no control over legal costs which opens the door for XXXX to rack up legal costs during the forbearance period. 







.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX account alerted me that CBNA open new account. 
The date stated the account was opened XX/XX/18 but I just received the alert today XX/XX/18 I havent contacted the company because Ive read a lot of the reviews that they make a lot of mistakes an errors on there behalf so I came straight to CFPB to handle the issue.

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 2018-10-15 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 canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I applied for a job at a car dealership. They wanted to me to get a background check, so I went in and applied for one. The background check company called me back and told me that a XXXX man in Idaho is using my social security number. When I tried to correct the situation and put my information in for a credit report. Its coming up that Im invalid.

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 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
I was not properly notified of the debt until after it was turned into collections. I have since paid & satisfied the debt. I contacted the debt collector and they stated they will not remove the satisfied debt from my credit report!

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.

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 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
DITECH ATTEMPTED TO ESCROW MY MORTGAGE..I PAID MY FIRST HALF TAXES..THEY ALSO SENT MONEY IN..MY TOWN SENT THE MONEY BACK TO THEM..THEY RAISED MY MONTHLY MORTGAGE FROM {$490.00} TO {$1400.00} A MONTH..I SENT IN LUMP SUMS TO COVER MY SECOND HALF TAXES AND MY HOMEOWNERS INSURANCE ..BECAUSE I ONLY SENT {$490.00} /MONTH THEY SAY I HAVEN'T MADE A MORTGAGE PAYMENT IN 233 DAYS..SO I'M GOING INTO FORECLOSURE ... I JUST SENT ALL THE COPIES OF CHECKS THAT THEY CASHED ASKING WHERE IS MY MONEY..I CAN NEVER TALK TO THE SAME PERSON AGAIN AND EVERY PERSON I TALK TO HAS A DIFFERENT STORY..WHERE IS MY MONEY..TODAY IN THE MAIL I RECEIVED A NOTICE THAT THEY ARE LOOKING INTO THE PROBLEM ... BUT THAT'S THE SAME LETTERS I GOT LAST MONTH,,,,, PLUS,,, IN MY ENVELOPE WAS THREE OTHER PEOPLES MAIL,,, WITH THEIR ACCOUNT NUMBERS,,, THIS IS ONE SHADY COMPANY..IS THIS HOW THEY TAKE PEOPLES HOMES??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank lied in response of a previous CFPB complaint I submitted. The case was closed despite their lies and my documentation that they lied. I submitted a follow-up complaint making the CFPB aware that Chase Bank lied in order to have their complaint closed. To my knowledge, it has not been processed and my record of it has been removed from the system. 

This attempt at deceiving a federal bureau to assist in defrauding their customers warrants an additional complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom mortgage withdrew {$370.00} from my escrow allegedly to pay for my insurance but insurance company has advised payment was not made. Requested copy of cancelled payment twice and representative refused to provide evidence of payment to me as the owner of the escrow even when and if they received copy of the check.

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