vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had an insurance claim for wind and rain damage on my home ; my insurance company paid out {$7500.00} on the claim. Chase Home Finance improperly converted the claim into a monitored claim - which is very rare for interior cosmetic damage - and we endorsed the check over to Chase. Chase then ran us through hoops for months to get the check released. In the meantime, we laid out the money to hire a contractor to do the fixes and then submitted proof, including photos of all the repairs to Chase. Chase contacted me and scheduled a Chase inspection of the property and told me that the inspection would take place within 3 days. Chase never called me back. I followed-up with them and requested that the check be released however they now tell me that they transferred the loan to a new servicer, although they never previously disclosed that the loan was being transferred. Chase failed to notify me by mail that the loan was being transferred or otherwise. On XX/XX/XXXX I sent in an electronic payment to Chase for my monthly mortgage payment not knowing that my XXXX payment needs to be made to XXXXXXXX XXXX. On top of everything else, Chase is wrongfully withholding my insurance check ; I contacted XXXX and they informed me that Chase has not transferred the check to them. I never authorized Chase to release the funds to anyone but myself ; if chase released the check to XXXX, it was a violation as they had no authority to release it to them. I have also made repeated demands by letter asking Chase to show me the original Mortgage and Note on my property and they have failed to respond or comply with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST MIDWEST BANCORP, INC.
State: IN

Complaint narrative:
I applied for mortgage pre-approval, received approval from First Midwest Bank loan officer XXXX XXXX on XX/XX/XXXX. Based on approval, I entered into a purchase agreement with XXXX XXXX XXXX for a new construction townhouse. On XX/XX/XXXX, I was asked to sign conventional loan application for {$160000.00}, 4.5 % interest rate, with {$5000.00} down payment, and no closing costs for buyer. The application had multiple errors, including the property address and I asked them to correct it. 

On XX/XX/XXXX, I was asked to sign new application for an FHA loan. XXXX advised she couldn't do conventional loan. Loan amount decreased to {$150000.00}, interest rate increased to 4.625 % and buyer closing costs increased to {$2000.00}. Told that underwriting was trying to approve based on my student loan monthly payment. Confirmed with 2 local loan officers that this process should take about 48 hours to determine eligibility for FHA loan. Didn't receive  response from XXXX XXXX until XX/XX/XXXX that I was not eligible for FHA loan. 

Told me that loan had to be conventional and the loan amount decreased to {$140000.00}, interest rate increased to 5.375 %, buyer closing costs increased to {$7800.00} approx. Two days later told I needed {$8500.00} for closing. Told me I had to produce certified funds within a week. Reason given was " changed circumstance '' but my circumstances had not changed. XXXX XXXX  changed the terms of the loan after I entered into an agreement.

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 2018-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was late on a child support payment in 1999. It is still being reported on my Trans Union credit report even though the " STATUTE OF LIMITATIONS '' is over. This should have been removed from my credit report nine years ago!. I have asked via mail that it be removed and they came back with a letter stating they had verified it's accuracy. Yes, it was accurate. However, it is a clear violation of the 7-10 year statute of eliminations.

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 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: MI

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. 

I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX   opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX   to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. 

In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. 

I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. 

I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. 

Sincerely, XXXX 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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: KY

Complaint narrative:
On XXXX ( I have taken picture on my phone ) today XX/XX/2018, at XXXX XXXX XXXX has once again put out a false/misleading banner ad. I am in the mortgage business and know first hand that these rates are non existent, i would be shocked if any amount of Discount points would be able to produce these rates. This is at least, the 3rd time i have filed a complaint. They are misleading consumers and it needs to be addressed. I will include a photo of the front page with banner ad as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CT

Complaint narrative:
Hello, XXXX XXXX is the original lender who financed our home in XX/XX/XXXX. I understand companies sell mortgages to each other but this incident will be at my expense. Selene Finance LP sent me a letter XX/XX/XXXX stating this servicer switch will be effective XX/XX/XXXX. Two months a year, 3 mortgage payments are deducted while the third payment is payed solely to principal. XXXX XXXX did not take a payment on XX/XX/XXXX and the company also has no information about my account. This leads me to believe the three payments will not be deducted this month and it will be at my expense because the mortgage will not benefit from the additional payment. This is not acceptable!! After a brief conversation over the phone it was clear Selene Finance LP will not take responsibility or do anything to fix the problem their company has caused. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
Vehilce was purchased XX/XX/2016. The vehicle was financed through XXXX XXXX and the loan was sold to XXXX XXXX XXXX  XXXX. The legal owner transfer was initiated but never finished by the lienholders. Although my registration is currently paid, I have since been ticketed and am unable to get my current registration or tags.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I received an alert that a new collection was placed on my credit report for {$530.00} from a company called Contracts Callers Inc. also known as CCI out of XXXX Georgia. CCI is trying to collect a debt for the City of  XXXX per my credit report. I have never heard of this company until today. My credit report states, " the collection was reported on XX/XX/XXXX as charge off/collection. '' First off, I have NOT lived in XXXX Texas since XX/XX/XXXX. To place this on my credit as of XXXX sounds like I just ended or breached a contract with the City of XXXX and failed to pay. Second, I have NOT received ANY correspondence from this company or company 's representative regarding this alleged debt by regular mail, certified mail or by telephone. Third, I  have been married since XXXX and my last name is changed so I know for a fact that this company has NOT reached out to me regarding this alleged debt. I have lived in the same home and utilized the same mailing address since XXXX. It is real disheartened that companies can put inaccurate information on someone's credit report without giving the consumer a chance to dispute a collection properly or doing a due diligent search to notify someone. I am requesting from this company as outlined under the FDPCA 809 ( b ) validation of the debts with loan agreement/contract or promised to pay. In addition, I would like for CCI to provide the alleged correspondence that was mailed along with the address they have on file for me and what telephone number CCI called. Besides Texas has a statute of limitations on collecting debt which is four years. And I do not owe any alleged debt CCI has referenced on my credit report nor do I wish to do  business with them. I will be sending a letter out to CCI today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good afternoon, A false, fraudulent and/or incorrect account appears on my credit report. 
This referred account is a Bank of America account number XXXX. 
I have called Bank of America numerous times to attempt to resolve the issue and have disputed the referred account to XXXX credit agency. 
These attempts have been unsuccessful and XXXX   has notified me that I need to speak with a bank representative which, after numerous attempts, has also been unsuccessful. 
Please eliminate this account and notify XXXX, as it has significantly tarnished my credit score and purchasing ability.

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 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
this is one of three times this happened. I am paying them and they say they don't get it but I send it certified so I know they are getting my payments. I want it to stop or close this debt as paid in full for all the harassment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I recently called to inquire about a " fee '' that appears on my bill every month, and learned that it is a past due late fee from some previous late payment. I have been paying that fee in addition to the " amount due, '' per the instructions on the bill which clearly states " total amount due '' which includes the itemized " fee. '' In accordance with regulations the late fee portion of my bill will not be allocated any of my payment until the outstanding interest has been paid in full, and my monthly payment does not cover the interest. Therefore, every payment I have made has included a fee for the late fee that has been allocated only to the interest. When asking about this, Navient informs me I do not actually need to pay that late fee, as it will simply be added to the balance at the end of the loan. My efforts to explain to the customer advocate that the bill clearly miscommunicates this in two places as " total amount due '' each month that includes the " fee '' have been met with condescending disregard. I wrote a letter clearly detailing this concern asking for reasonable rectification, and again was told there was nothing amiss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING REGIONAL XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX XXXX REPORTING XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX 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 2018-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I entered into a HELOC with the XXXX XXXX in XX/XX/XXXX. XXXX put a lien on the property at the concurrent with the execution of the HELOC documentation. Later that year, I was forced to file a Chapter XXXX Bankruptcy due to the failure of my business, and I received no further communications from XXXX. In XX/XX/XXXX, My wife and I each received an IRS Form XXXX ( Cancellation of Debt ) from Caliber Home Loans indicating that the debt had been cancelled. I did an on-line search for Caliber and called the Caliber Customer Support number to clarify what the XXXX was and to request that the original XXXX lien be lifted. I assume that XXXX bought the debt from XXXX. The customer service rep could not find any listing for this loan in their data base and gave me a number for the lien/debt collection department. I called this number, got put on automatic hold, and eventually was disconnected. I tried calling 4 more times with identical results. I included the XXXX in my personal income tax filing for XXXX. I now have my house up for sale and have gone through a local Title Company to assist in getting the lien lifted. The Title Company was told by Caliber representatives that company might reinstate the debt collection effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it. 


XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money. 

XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it. 

Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want. 


Thanks for your help.

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX  XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX 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 non-monetary relief