vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: MS

Complaint narrative:
We listed our house on the market XX/XX/XXXX. We received a offer with a pre-approval from XXXX XXXX at XXXX XXXX for this buyer. We then accepted and contracted with the buyer with original closing date set for XX/XX/XXXX. Buyer agreed to extend until XX/XX/XXXX due to us making arrangements for a offer on a house to purchase. Ms. XXXX apparently switched jobs and began working with Caliber Home Loans in XX/XX/XXXX. We were unaware of this change and that she was taking our buyers loan with her which started his loan process over. The week of closing we began to get information of the buyer going out of state for a death in the family and may not be back in time to close on that Friday. Due to the house we were purchasing we really needed to complete our closing on time. The next 48 hours were spent getting our buyer a power of attorney approved to sign on time due to the closing disclosure had not been signed until late Tuesday afternoon so we could not sign before Friday. Once we had POA approved Ms. XXXX then stated as of Thursday the buyers ssn was " flagged '' and they were working on getting his ssn cleared. We were told multiple times they were still moving forward to close on Friday resulting in us and our sellers of the new purchase to take time off work and schedule movers and load uhauls. We were scheduled to close at XXXX Friday needless to say we were not able to do that. We were told multiple times we would close by end of day. We did not close at all that Friday which resulting in both families scrambling costing both families alot of money. Going into the weekend we were assured we would close Monday. So again we all make arrangements for Monday. By mid-morning we were being told we had a clear to close and was waiting on the " packet ''. Shortly there after we were contacted that our buyer had been denied and the purchase was canceled. Due to errors, negligence, misinforming realtors involved, and honestly just flat out lying about the details behind this loan we spent and lost 1000 's  as well did our seller of the new home who also was unable to close on their new house in another state. This was the beginning of almost a month of stress, financial burdens, and uncertainties of the sells of any of the properties tied into this situation. Ms. XXXX nor her partner XXXX XXXX took any ownership in the errors and offered zero help or apologies to assist in the situation. Thankfully we had another local bank get involved and took proper steps in getting our buyer approved and we were able to close XX/XX/XXXX. Again, we were unable to recoup any of the loss in wages, expenses spent moving the first 2 dates we were given to close. We just want others to be warned to be aware when using XXXX XXXX and or Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
Good morning,We're filing this complaint against Bayview Loan Servicing, in the hopes that the CFPB will intervene and demand that they stop their deceptive business practices immediately.We've been in contact with Bayview since XX/XX/XXXX, regarding our desire to save our home. Unfortunately, they've been less than cooperative with assisting us in resolving our foreclosure matter, as well as, even providing us with updated 0information.Prior to submitting all loan modification documents - which were faxed on XX/XX/XXXX - we were working with an attorney who delayed communications with us, forcing us to disengage.We contacted Bayview on XX/XX/XXXX of XX/XX/XXXXr and we're told that because our documents weren't received within 37 days prior to sale - our sale date is XX/XX/XXXX - our request for a modification was immediately denied and documents weren't uploaded.On XX/XX/XXXX, we spoke with XX/XX/XXXX (XXXX XXXX), who told us that he would escalate the file and send an email to his manager while we were on the phone. He told us that he was requesting that they either waive the 37 day issue (we were two days short of 37 Days on our submission timeline) or recommend that we be reviewed for a Streamline Modification.He asked us to follow up with him on the 12th for an update and we've not spoken to him since. I've left him 2 voice messages XX/XX/XXXX, XX/XX/XXXX and emailed him XX/XX/XXXX. No response.XX/XX/XXXXIt's clear that Bayview is intentionally delaying communication with us, as well as, applying deceptive business practices regarding assisting us.We are determined to keep our home and would very much appreciate your assistance with this matter.Thank you,XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I get calls on a daily basis, something two or three in a day from phone # XXXX, claiming it is JP Morgan Chase bank. The automated message says that it is important the I immediately return the call, and provides a toll free #. The latest call was after XXXX XXXXXXXX XXXX on Sunday, XX/XX/2019. I have been ignoring these calls because I haven't received any electronic messages ( e-mails ) from Chase, and there are no messages for me on the Chase web site. However, I called Chase ( phone # on the back of my Chase card ), and was informed that XXXX is a " phishing '' #. Please investigate the organization that owns this #, and prosecute them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IA

Complaint narrative:
The problem is I want to pay my homeowners insurance directly. Ditech says that FHA requires that my homeowners insurance be paid by Ditech through escrow. I called FHA and was told that Homeowners insurance is not required to be in escrow. Ditech says that Hazard insurance and Homeowners insurance are the same thing. It saves me over {$50.00} a month on my homeowners if it is paid monthly and automatically deducted from my bank account. Which should make my house payment less. Instead Ditech raised my house payment over {$120.00} a month. This makes no sense. Please help me. They are saying FHA requires it. Please help me lower my house payment. I am XXXX and XXXX, so my income is fixed. Raising my house payment is not something I can pay. I don't want to get behind on my house payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I recently went on XXXX to check my credit and saw that there was a derogatory account listed. I was surprised and looked into it and saw that it was put there by a collection agency operating out of Texas called Aldous and Associates, with an address of XXXX XXXX XXXX, XXXX, UT, XXXX and telephone number XXXX I called up the company to find out what was going on, at which point XXXX the agent, was very rude and only interested in a payment. He told me that they would continue to put the derogatory payment on my account unless I paid the {$100.00} owing. I tried to explain to him that the debt was not valid and moreover, the Fair Trading Practices Act clearly states that a debt collector must send a consumer a written notice containing certain enumerated information about the debt and state that I have 30 days after receipt of such notice to dispute the validity of the debt or any portion thereof. No such letter was sent out to me and so I had no idea about this so called debt, so I was not able to validate the debt, which is ruining my credit. He hang on the phone on me because I told him that I was not going to pay the so called debt. This failure on their part violates my rights afforded by the statue and also the fair debt collection practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at FRANKLIN AMERICAN MTG. I did not open or authorize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I availed of a 60-month auto finance loan from TD Auto Finance (TDAF). The last payment was due XX/XX/XXXX. I had paid 59 payments for the vehicle on time, via an automatic online payment system, with each payment close to $3000, ON TIME EVERYTIME. I was NEVER LATE.I received a letter from TDAF datedXX/XX/XXXX advising me to 'watch your mail for a separate invoice from TDAF. You can send it your payment to the address on the remittance slip that is included with the invoice'.  (See attached image, with higlights). I waited for the invoice which I never received. When I was contacted in late XXXX/early XXXX by TDAF, I mentioned to the caller that I did not get the invoice as promised in the email. I then settled all outstanding amounts in the same call using my credit card immediately.In late XXXX/early XXXX I learned of the adverse reporting by TDAF to the credit agencies affecting my credit score. I contacted XXXX and explained the situation to them. They advised me to contact TDAF. I sent in all the paperwork to TDAF in earlyXX/XX/XXXX explaining the entire sequence of events. I contacted them on XX/XX/XXXX, and was informed that the dispute resolution response had been mailed to me. Having received NOTHING in the mail, I contacted them again on XX/XX/XXXX to learn that their Dispute Resolution team was unwilling to change their reporting to the credit agencies. I explained that I disagree strongly with their conclusion, and I have no recourse but to escalate the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX Advanced Collection Bureau XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Double billing : This happens when the same bill is submitted multiple times when the procedure was performed only once. ( for my case, I've never seen a doctor, it was a 15-minute chat with a clinical nurse. ) I, XXXX XXXX, XXXX the problem in a clarity of speech as result of the documented XX/XX/11 XXXX post-disaster health problem. I have been sent by XXXX  ( XXXX XXXX XXXX ) to XXXX XXXX XXXX for a yearly check up. Never see a doctor, it was a 15-minute chat with a clinical nurse only. The visit was paid by XXXX ( XXXX XXXX XXXX ). Since then the XXXX XXXX XXXX and Advanced Collection Bureau keep harasting me for a years. They trying to get another {$300.00} for already paid visit ( which was actually not a doctor visit ). The agent of Advanced Collection Bureau refused to work with me without me giving updated (??? ) info to resolve issue of Fraudulent Charge. They sent a negative information to the XXXX   Credit Bureau and spoiled my FICO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi Checkings & Savings account with a {$500.00} promotion for meeting certain requirements. I met those requirements for the {$500.00} bonus and Citi closed both my accounts and did not pay the agreed upon bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at PORTFOLIO RECOVERY A. I did not open or authorize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
I initiated the transfer of $XXXX MTCN XXXX from USA to XXXX on XX/XX/2019.This transfer never went through. Western Union never contacted me to inform me that the transfer was rejected by the mobile wallet carrier until I contacted Western Union 3 weeks later. All this time I presumed that the transfer had gone through.After contacting them several times they continued to tell me that I would get my refund as soon as possible. I have been chatting online with their representative who acknowledge that my transfer was rejected by the mobile wallet carrier and the chat team directs me to call this number XXXX  or XXXX and whenever I call my call is always get my calls dropped. The last time I had the chat team call me instead of me calling them was on XX/XX/2019 where one of their representative named XXXX informed me that I would get my refund within 24 to 48 hours. Still nothing happened to date. I just  finished chatting online with one of their XXXX XXXX XXXX who told me the same story. See attached chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I attempted to pay my payment due on XX/XX/2019 and the computer system connected to synchrony credit card was faulty and didn’t receive my payment until after the due time. I called the (synchrony) the company, and made sure the payment went through and they told me it had not. I proceeded to pay it & requested they remove the late mark on my credit & I was assured this would not effect my credit. After reviewing my credit report, I see a missed payment remark from synchrony and request this be removed. I have had that credit card for 2 years and have never been late on my payments.Thank you for your assistance and time. Let me know what you need from me to take care of this marking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The loan is thru XXXX XXXX and UAS. 

The company sent letters saying the payment was 60 days behind and was not. 

They then deducted 2x the monthly payment without authorization. 

The rep told me the took the payment for the following month too. I told her this is unacceptable and she said it would take 45 to 60 days to reverse. 

They would not reverse the charge even though it's the holidays. Besides effecting my holidays, I will likely fall behind on other payments as well. 

I reported this 8 days ago and was assured they would address the issue immediately. I followed up on 3 days ago and they seemed to have no information on my initial call. Now their response today was " we haven't heard from our accounting department yet ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
They suggested i purchase a visa prepaid card to make partial payment on repayment plan. I bought pre paid card they suggested it did not work. They suggested i purchase netspend prepaid card i bought netspend card it did not work. They suggested to mail in partial payment via mail.Every week a different person calls (after i already explained on payday when i would be able to make the partial payment. The installment loan was supposed to be XXXX$ ( a month) strangely it is XXXX$ EVERY 2 weeks which is more then my car payment. I explain to them OVER AND OVER and OVER my paydays. they note in their computers. But have someone different calling every week. At this point it is severe HARASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for a loan for XXXX XXXX XXXX  through XXXX   comenity capital. The loan was for 2 years interest free which was due on the XXXX of every month from the when the loan was approved. For two years, the loan was paid monthly on time on the XXXX until the end and when the loan was paid off completely, i recieved another statement stating i owed accrued interest for the loan since it was not paid by the XXXX XXXX. This is highly egregious and unfair since most of my payments were on time. The biggest issue is that the company should have made the due date on the XXXX instead of the XXXX to avoid the customer pay accrued interest and i feel this is a very deceptive and fraudulent  practice to scam the customer. I spoke to customer care employee #XXXX  who goes by the name XXXX and he stated there is nothing the company can do. I have paid the full amount of interest so that more interest does not accrue but i am beyond furious that this has happend to me and i wish to have this investigated by the appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Through the dates of XX/XX/2018 – XX/XX/2018 Hurricane Florence damaged our home. We had renters in the property at the time but they evacuated. Our mortgage was being paid through them but when they had to leave due to the damages in the home we could afford our payment. The morning company we are with ( Freedom Mortgage) said they were going to put us on a Mortgage Forgiveness Program due to being military and a weather disaster but they never did. We ending up going through our insurance company being able to fix the home. Because myself and the mortgage company are on the loan the check from the insurance company had to be given to the mortgage company to sign. On XX/XX/2019 the mortgage company finally released payment for the construction company but not in the full amount. They released  $XXXX But that’s not the full amount. They will not release what is left (the beginning balance of check was XXXX.) we gave them every single document that was needed but once again they still won’t release check. Also they still won’t put us on a forgiveness program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: VA

Complaint narrative:
American express closed my credit card account. I found this out today logging online while the card shows it is valid tillXX/XX/XXXX. This card was booked in XX/XX/XXXX I have a XXXX   fico  and never had credit issues but AMEX for whatever reason gave me a student line and never bothered to increase it. While there is no denying that AMEX card is the least preferred in my wallet as I never know if I would get declined for my purchases, I am not happy that they terminated the card without an email or a call explaining why they are closing this account. I would need help to re-instate this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX popped up on my credit report a few years back owing $XXXX. Since I was and still am a current client of XXXX  I asked them how I could possibly owe a delinquent account and I'm paid current amount. I had moved, they didn't transfer the account  correctly. It was corrected. This account and amount that another creditor just randomly threw on my credit report.  It is not owed. It has never been owed.  It was a mistake on XXXX  part and XXXX  fixed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
To whom it may concern : Please be understanding as to why I am writing this complaint relevant to Amerihome Mortgage. I applied on XX/XX/2019 for a loan modification for XXXX XXXX XXXX XXXX XXXX IL XXXX. My name is XXXX XXXX XXXX. I complied with every document they have requested they are stalling in allowing me an answer. My daughter and her XXXX minor children are living with me and my husband. Daughter XXXX XXXX has a XXXX  XXXX XXXX and a XXXX  XXXX XXXX  before she could be on the XXXX XXXX  list she had to be in a stabled home after she lived with me I requested for a modification. I also applied for Chapter XXXX to save the house from being in foreclosure I can not afford XXXX a month along with the up keep of the property. The property has needs in order to live there I am asking for someone to question Amerihome and let me know whats keeping and taking so long each week they are requesting the same information over and over again. Please help me I do not want to lose my property. I am complaining on how this problem is being handled also my husband have a history of 5 people XXXX. I need this modification please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation