vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Holdings, LLC
State: TX

Complaint narrative:
Day Knight & Associataes Creditor Name : XXXX XXXX XXXX I have no knowledge of this account. Just recently pulled up credit repot and see it has been on my credit since XX/XX/2017. I will like to dispute this account do n't believe it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
XXXX XXXX/Hunter Warfield ... I moved from an apartment the company was awarded possession of the property and no monetary judgement. I moved out in XXXX 2013, I did not sign a new agreeement or lease. I am providing a copy of court order granting them possession of apartment only .... I dont owe them any money .. The company reports this information to all bureaus, XXXX, XXXX and XXXX The judge awarded them possession of apartment which I left clean and in good standing ... The company keeps reporting this information through various companies and I want it removed I want it removed from my credit report immediately ....

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 2017-08-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In late XXXX of 2017 I requested a balance transfer from my Comenity Bank Visa card to pay off a high balance on another credit card I have. On XXXX XXXX, 2017 the charge posted to my Comenity Bank Visa card account however, as of today ( XXXX XXXX, 2017 ) they have never sent the money to pay off the other credit card. I have tried to resolve the problem with several phone calls to Comenity Bank but no one has been able to give a reasonable explanation of why they are charging my credit card account without actually sending the money to pay off the other credit card. I have also sent them a written dispute of the charge but have received no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
This is not my account. I 've disputed it and contacted this company several times since XX/XX/XXXX up until XX/XX/XXXX they did n't respond most of the time and the few times they did they stated it was valited but could not provide me a True validation with a signed contract. Anyone can get someone 's name, address, and email address. I want a TRUE validation with a signed contract!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I received a letter from Credit Collection Services for an auto insurance debt with XXXX XXXX. I explained to both Credit Collection Services & XXXX that this was not my debt, I had no knowledge of this, nor did I consent to be added to this insurance policy. I also explained that this was my soon to be ex-husband 's debt & we are going through a divorce. I explained that we have been separated and living apart for more than a year & we have two separate addresses ( two separate states ). I followed up the phone call with a letter on XXXX XXXX, 2017. This issue is still unresolved and XXXX continues to try to collect money for this debt from me. I have also reported this incident to the XXXX County Sheriff 's office in XXXX MD who told me that there was nothing they could do. They also told me " this is a civil matter and that its not against the law to use a spouse 's information to get credit or open accounts without their consent ''. This is not only affecting my credit but putting my job ( security clearance ) in jeopardy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX we had a conventional 30 year fixed mortgage and a line of credit second on our primary residence with Bank of America. We own no other commercial or residential housing. The terms of the mortgage were that in XXXX XXXX both 1st and 2nd mortgages would convert to a 15 year fixed. Knowing that combining these two mortgages to a 15 year fixed and that at the time my husband ( the primary earner ) would be XXXX XXXX years old and looking at future retirement we asked B of A, starting in XXXX XXXX, to combine the 2 mortgages into a 30 year fixed in anticipation of lower monthly payments for retirement. B of A refused. My husband lost his job with XXXX XXXX in late XXXX forcing early retirement on us. By XXXX it was clear that on a fixed income we could not pay the higher monthly mortgage ( 15 year fixed ) and our credit/ tax obligations we had to declare chapt. XXXX bankruptcy on XXXX XXXX. On XXXX XXXX we filed for a loan modification program with B of A on XXXX. It is now XXXX ( a process that B of A said would take 2 weeks ) and their loan modification plan now has a HIGHER MONTHLY PAYMENT than the original 15 year fixed plan. This nothing but pure AGE discrimination from refusing our request in XXXX to the current loan modification plan. We submitted one of the cleanest applications possible ; no alimony, no child care, no other distracting variables. They only had to convert a 15 year fixed to a thirty year fixed and none of this would have happened. Since B of A has provided us with thirty year mortgages at least twice in the past the only difference from then ( our first mortgage with B of A was in XXXX ) and now is our AGE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Ignite Revenue, Inc.
State: CA

Complaint narrative:
I received an unsolicited credit card from Ignite. My understanding is that this is an illegal practice.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
I have informed all reporting agencies that I did not file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have informed all reporting agencies that I did not file bankruptcy.

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 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I called to pay a balance my school reported to them for {$3600.00}. They tell me that I owe {$4700.00}. Now I owe over {$1000.00} to pay a past due debt? This is rediculous. They are badgering XXXX and taking advantage of us. If I did n't have the {$3600.00}, why would you hike it up over {$1000.00}. I am in talks now with my school, because even my school mentioned that this is absurd. They will be contacting the agency. Whoever added this astronomical fee to my debt will pay severly. Please contact this agency to resolve this. I am willing to pay the {$3600.00}, but they are really on the high end for fees. They are using unfair debt collection practices to bully me into paying for these high fees for their commissions. They are telling me that this balance comes from the school. The school said they did not send over the {$4700.00} to be paid. They sent the balance fo {$3600.00} to be paid. I have attached the screen shot of my XXXX account. I have also attached an email I received from Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is reporting information to XXXX that has enabled them to keep a negative account that should have been deleted in XXXX, active ... according to XXXX, until XXXX XXXX, 2017. I filed a dispute with XXXX stating that the account from BOA should have been deleted ion XXXX. They claim that information received from BOA during their investigation of my dispute causes them to keep the account open for 10 more years.
The account should be deleted immediately. If what XXXX is claiming is true, information that BOA supplied them is in error.

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 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a {$17000.00} cashiers check at Chase bank in XXXX Illinois on Friday XX/XX/XXXX. On Monday XX/XX/XXXX my bank account showed that the check cleared. On Thursday XX/XX/XXXX I received an email that funds have been taken out of my account as of XX/XX/XXXX and that I need to " refer to maker '' [ of the check ] for the reason. I contacted the maker of the check, XXXX XXXX, who provided paperwork dated XX/XX/XXXX showing that the check has been paid as of XX/XX/XXXX ( so funds should be in my account ). I have correspondence from XXXX XXXX providing the details of this check and that nothing on the customer 's side or customer 's bank side appears to be the cause of this problem. My bank, Chase bank, has not only been unhelpful in providing answers about how a good check I handed them is now a bad check ( per the branch manager ), but they 're doing nothing to help fix [ what appears to be ] their error! The bank manager at the Chase bank in XXXX IL has been rude and condescending, and I feel like I 'm being discriminated against as some working-class schlep who 's trying to cash a " bad check ''. If one bank is showing this check has been paid, and my bank said it has not been paid ... where 's MY money sitting right now? What is the path my check took from the moment I handed it to Chase Bank, and where 's the money sitting now? I 'm getting absolutely NO HELP from my bank. Ive spent 3 days so far working to figure out a major bank error instead of running a business to make money. Im now afraid to deposit checks at Chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
( 1 ) I, XXXX XXXX was accepted for an auto loan from Automotive Credit Corporation through XXXX XXXX XXXX XXXX in XXXX CA on XX/XX/XXXX. On XX/XX/XXXX I spoke with a loan rep named XXXX from ACC that finalized the loan. During this conversation XXXX advised me that I will be receiving loan and payment information via mail with-in a week from our phone conversation. Since our conversation I havent received the loan or payment information which was supposed to be sent to me. But what I have received is several calls from your employees that tell me my loan is in default, but no one to date have sent me loan information to make a payment. I am requesting my loan and payment information sent to me via US mail. ( 2 ) I, XXXX XXXX have received your correspondence, dated XX/XX/XXXX that states YOUR ACCOUNT REMAINS PAST DUE. YOU MUST IMMEDIAETLY REMIT {$320.00} IN ORDER TO BRING YOUR ACOUNT CURRENT. As I previously advised this company, XXXX a loan representative told me I would receive car loan information via US mail. But I wasnt provided any information in regards to my car loan via US mail. And still to date the only response to my request to get car loan information dated XX/XX/XXXX is a letter demanding a payment more than quoted to me by XXXX XXXX a representative from your company. According XXXX who only provided me with payment information via phone quoted my loan payments to be {$300.00}. Those are two of the letters I sent ( 1 ) XX/XX/XXXX and ( 2 ) XX/XX/XXXX to acquire information regarding my auto loan # XXXX to ACC. Since then the only response from them have been threatening letters. Also I have made a complaint against XXXX XXXX XXXX XXXX with multiple reporting agencies for forgery. XXXX XXXX XXXX XXXX responded to the Better Business Bureau on XX/XX/XXXX was that I was on repossession status and I should rescind the loan. However, the checked for XXXX was received by ACC and deposited on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
During XX/XX/XXXX, Nationstar Mortgage advised me to let my mortgage payments fall behind 4 months so that they could help me with a modification. The home was purchased in XX/XX/XXXX and our mortgage was transferred 2 times before Nationstar became the company that serviced our mortgage. In XX/XX/XXXX, my husband was unable to work any longer due to a XXXX XXXX. We were forced to use Nationstar for a modification loan to keep our home. At that time we were advised to not make payments so that we would qualify for a modification. We chose to file bankruptcy chapter XXXX in XX/XX/XXXX but did not include our home. Nationstar would let our paperwork " expire '' and then tell us they were foreclosing and then we would submit mod paperwork again and the cycle continued for 2 years. We now have an outrageous house payment and they inflated our payoff saying that they had to add back the past due balance and to get our payment lower we had to go for 40 years. We have had nothing but trouble with this company and they make it almost impossible to refinance or sell without losing money. They take advantage of people especially if they are in a tough financial situation. Nationstar is a predatory loan company. We are now upside down in our loan and probably will never have any equity in it. Stay far, far away from Nationstar Mortgage. If that is your only option to purchase a home, then wait until you find another lender. They will ruin your credit and any chances to ever buy another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my Chase checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to XXXX. That deposit was successful. On XX/XX/XXXX I  received an email from Chase stating that the deposit was successful. I immediately called Chase and told them when the app said the deposit was not successful I had deposited it to another bank. Chase said they would not complete the deposit. On XX/XX/XXXX I looked at my XXXX account and saw that the {$5000.00} deposit to XXXX had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my XXXX account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with XXXX ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said XXXX had paid the {$5000.00} to Chase. I began calls to Chase. They say XXXX put a hold on the check and did n't pay it and they claim that when they call XXXX their calls are n't returned. It 's been more than 5 weeks  and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of XXXX wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I received a letter in the mail from Big Picture Loans stating I was pre-approved for a {$800.00} loan. I logged on and applied for the loan. Although a statement appeared stating this was a " very expensive way to borrow money '' before I clicked to accept, I was not able to view the interest rate or total payments due until after I had received the funds in my account.
Once the funds were received, I saw that the interest rate being charged was 637.9945 % bringing the interest owed to {$3800.00} in addition to the original {$800.00} borrowed.
In addition, the loan stated that it would be paid off in 20 payments. However, until I agreed I did n't realize they would be deducting two payments of {$230.00} each from my checking account, for a total of {$460.00} being deducted each month. This is creating a great hardship in paying my monthly bills, such as my rent, electricity, etc.
I have so far made three payments of {$230.00} each. The loan principal is untouched although I have paid {$690.00}. I have no problem paying the {$800.00} I owe, plus a reasonable amount of interest. But 637.9945 % or {$3800.00} for a {$800.00} loan is unconscionable.
I regret ever clicking on their website. I should have just thrown that offer in the trash and I urge others Do Not Do Business with this company. But they prey on people that are strapped for cash. And the full amounts were not disclosed until after the funds were received.
I would greatly appreciate any assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied to BOA for a credit card in XXXX, 2016, around XX/XX/XXXX. I asked them, before you run a credit check, please confirm that you can respond with approval/denial. They responded in the affirmative. After applying, they informed me that they had to send the request to their office for further review, which would have involved an additional credit inquiry. Since they already put a hard hit on my credit report, without a response, I asked to speak to a manager. When a manager finally called back 4 days later, she refused to remove the credit inquiry hit. The manager was condescending, arrogant, and completely unhelpful. If you want to deal with these people, know what you are in for. Dishonest, deceitful, arrogant, condescending. Not what I call good customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
The story is set forth in the 3 attachments below in which personal information has been blacked out. The first attachment is composed of 1 ) a screenshot showing acknowledgement of my XX/XX/XXXX inquiry concerning the non-payment of our real estate taxes from the escrow account ; 2 & 3 ) Two nothing form emails acknowledging the inquiry dated XX/XX/XXXX and XX/XX/XXXX ; 4 ) A letter dated XX/XX/XXXX stating that they were still pursuing an 'investigation ' of the issue. In my humble opinion, their 'investigation ' could be concluded with a 5 minute call to the County Treasurer ; and, 5 ) an email attachment dated XX/XX/XXXX claiming they had paid the original amount of the tax. Apparently it never occurred to anyone a Ditech that taxes paid nearly 4 1/2 months late would incur penalty and/or interest. The second attachment consists of my letter to Ditech dated XX/XX/XXXX. It addresses not only the unpaid real estate tax issue, but also the failure of Ditech to pay from escrow the premium on flood insurance that they forced us to purchase. There are several exhibits to this letter and I will be glad to provide them if needed. The third attachment consists of my letter to Ditech dated today, XX/XX/XXXX. It addresses the real estate tax and flood control insurance issues as well as my inquiry about a questionable payment from the escrow account. This letter also explains why Ditech 's supposed payment of the tax was ineffectual. Again, exhibits are available if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation