vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Had fire in XXXX. Have had great difficulties getting the monies from the mortgage company the insurance company paid to me. They have given me repeated lies about payments being sent etc. I never got a dime from them to start the process and have paid personally for anything to get done. I recieved the check months late and they sent an inspector to see that the entire job was done. I had it 98 % done at that point. Second check from insurance was sent to Ditech end if XXXX. All required documentation has been given to them and was supposed to recieve check by XX/XX/XXXX. Still have rwcieved 0. I do not think that the mortgage company has the right to hold the funds. Noone works for free and last time was threatened for a month because the checks never arrived as promised from Ditech. No more work will be done until checks have been recieved. Have tried to contact Ditech several times and have been on hold several times for over 3 hours only to be hung up on. I have tried 3 times for over 1 1/2 hours today each time waiting to be told I am being transferred only to be hung up on. Laminated beams are exposed and damage is happening to what was already done due to no monies to complete the job. I will not trust their lies so am waiting for checks before starting final work. The policy I was provided by the company was not followed by them with the excuse they changed the policy but dont have documentation of the new policy. I am beyond frustrated. I had to make complaints to get the checks for the first part and still didn't get any funds until 30 days after completion of the job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, our son advised us that we could get XXXX hotel points if we upgraded our American Express Card ( with a new card ). We called American Express and the representative said that if we paid {$95.00} to upgrade our account with a new card, we would receive XXXX hotel points, if we charged {$3000.00} on our new card in 3 months ( which we did ) and that the points would show up in our account within 3 months. When we checked our account on XX/XX/XXXX, the points were not in our account and when we called American Express, the representative said that we were not eligible for the promotion and they would not refund our {$95.00} or give us the XXXX points. We were not interested in any other perks of the new card. 
I am sure that we are not the only ones who have been swindled by American Express and their fraudulent promotions. I think that they should be penalized and I hope that you can do it! 
An American Express statement showing the {$95.00} payment is attached. The promotion contract was all verbal with no discussion of eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a remote deposit to my Chase personal checking account, with a check for {$2800.00} written from my account at XXXX. Chase indicated that there was a hold on the deposit. On XX/XX/XXXX, I called XXXX to get the hold lifted on their end. I then called Chase and spoke to a representative who put me on hold, called XXXX, and then told me that the hold on the deposit had been lifted and the funds would be available for me to use immediately. 

On XX/XX/XXXX, I logged in to my Chase account online and saw that, on XX/XX/XXXX, the check had been returned and a {$12.00} " deposit item returned fee '' had been assessed. I called Chase and spoke first with an agent, and then with the agent 's supervisor, who told me that the check had been returned because according to XXXX there was a hold on the check. I then called XXXX and they told me that there was no hold -- as I had been told on XX/XX/XXXX. 

Neither XXXX nor Chase will refund the {$12.00}. XXXX will not refund the fee because they are not the ones who charged it. Chase will not refund the fee, because they claim to have been acting on information provided by XXXX. That is to say, Chase claims that the check was returned on XX/XX/XXXX because XXXX indicated there was a hold on my XXXX account, even though both XXXX and Chase told me on XX/XX/XXXX that the hold had been lifted, and XXXX confirmed on XX/XX/XXXX that there was no hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX  sold out loan to XXXX XXXX, their loan servicer, bayveiw, was to start servicing after XX/XX/XXXX. Our loan payment was {$280.00}. On XX/XX/XXXX we received a letter from Bayview stating we owed {$860.00}. We didn't. XX/XX/XXXX a letter asking for completed financial statment. Confusing! XX/XX/XXXX letter says we owe {$570.00}, formal demand, notice of default, intent to accelerate! This went on through out XXXX. XX/XX/XXXX XXXX XXXX XXXX a bill collector for bayview, said we owe full amount of loan, {$16000.00}, or foreclosure. XXXX we received a money order back, {$600.00}, that payment put us over what we owed!! I did not understand, we received letters from Bayview several times a month, every month! They put us in foreclosure court, we answered. We filed modification, they foreclosed! The same thing through modification. Then second chance. I mean, we couldn't get a break from them. They couldn't even do automatic withdrawal. I sent a complaint, answer, XX/XX/XXXX, and still no reply what they are doing. My wife is on meds for XXXX and XXXX, and I am pulling my hair out. Not many problems until Bayview took over. We took out the loan in XXXX, 15 year loan for {$25000.00}, with interest and loan costs, almost {$52000.00}. 11.3 % interest, don't want to lose our home to these incompetent home stealers, I'm XXXX, my wife is having XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX XXXX # XXXX per XXXX XXXX  Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX # XXXX is in violation of both FDCPA and FRCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out mentally, emotionally and physically continuously. TimeframeXX/XX/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 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by Experian. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that XXXX  has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called Experian and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX  XXXX with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.

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 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I ask that Source Receivables Management # XXXX interact further with me in writing, instead of via other methods, consonant with my rights explicated within the FDCPA and other relevant statutes. I authorize you to contact me about this debt, but solely via printed letter, to me at my home address as all other methods in any other way, place, or time are inconvenient to me. Should you be unable to comply with this reasonable request, this may indicate Source Receivables Management violation of the FDCPA and/or other federal statutes. Furthermore, please show detailed verification for consumer materials forwarded to consumer reporting agencies for me, XXXX XXXX, with regard to the stated account number # XXXX. Since it is possible that reporting problems may exist with respect to what you reported, I hereby request that you transmit this verification within a month of receipt of this request. Moreover please assert that collection behavior has been facilitated in accordance with applicable federal and state consumer protections. I want more than only an overview lacking depth. Instead I must ask for a detailed audit. 
If you can not establish such documentary record within a reasonable time frame, account compilations given by Source Receivables Management to my credit bureau should not be considered true and may evince a violation of the FDCPA, FCRA, and/or other federal statutes. In that circumstance, delete such bureau items shortly. 
I appreciate your assistance with this circumstance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm sick and tired of Equifax removing the items then placing them back on my credit report. I was a victim of identity theft they won't allow me access to my online account I informed them I believe my ex who has my information is using my online account I've sent them request 10 times to update my address they have claimed they didn't get the info or when I fax they claim its not readable I've sent certified mail w/ tracking they claim they have no FTC report. One minute they correct the info then the next week the fraudulent information is added back to my report when I call about my own credit file that act like this is not my account. I haven't been able to get a copy of my credit report for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged a late fee and interest on XX/XX/XXXX on my VISA card. after about an hour on the phone, the representative agreed to waive fees and to settle the amounts on my XXXX statement. I believe this situation shows a systematic defect in Bank of America data processing that could lead to customers being charged inappropriately. Details below are from a letter to XXXX XXXX, BofA CEO. 

" Moreover, the example below not only illustrates how poor BofA service is, it also points out a possible systematic failure in reporting that could have regulatory implications. For that reason, I am filing complaints with the Federal Reserve Consumer Complaint division and with the Consumer Financial Protection Bureau.

As one example of poor service out of many, I called BofA to inquire about a late fee and interest charges on my VISA card XXXX After about 20 minutes on hold, I finally spoke with XXXX and explained the situation. My paper statement of XX/XX/XXXX and the on-line record for the card both indicated that I had a credit balance of XXXX and contained a statement, Credit Balance, please do not pay. I am enclosing a copy of the paper statement. Despite that notation, BofA charged a late fee and interest. 

Customer Service representative XXXX looked at the account detail and correctly pointed out that there was a double payment of XXXX on XX/XX/XXXX, resulting in the credit balance on the closing date. In a previous series of calls, I first asked to have the second deposit reversed not possible. Then I asked for a refund of XXXX and received it on XX/XX/XXXX. XXXX insisted that there was a payment due on XX/XX/XXXX, even though neither the statement nor the on-line record indicated so. I was so frustrated at her inability to recognize that this charge was inappropriate that I asked to be transferred to a supervisor, and spoke to XXXX. No better. XXXX also looked at the account and agreed with XXXX that there was a payment due and that the charges were valid. I repeatedly explained that there was something wrong with the BofA system that inflicted a charge under these circumstances. She also refused to listen to this logic and continued to insist that the charges were appropriate. Frankly, neither representative seemed to comprehend the real problem. In the end, however, she did waive the late charge and the interest on the account. I will need to wait until the next billing cycle to see whether, in fact, this will happen. The account currently shows that it is overdue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
20 Yrs Mortgage. 240 payments at {$410.00} at 10.8 % Late payments, {$5.00} or 5 % after 15 days. 
Page 2 Line 6 of Contract, Simple Int. 10.5 % per annum until payed in full.

Payed all payments Plus {$5.00} Late fees. when late. 
DITECH now says we owe XXXX in Full. 
Ask for hardship Loan. denied. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: M&T BANK CORPORATION
State: MI

Complaint narrative:
This is the second complaint to this company related to this case ( refer to XXXX ). 

Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim. 

M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX   letter ( attached ), this is unethical and seems to be a method to skirt responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The  individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by XXXX. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that TransUnion has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called XXXX   and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX XXXX  with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.

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 2019-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally and physically continuously.

Company response to consumer: Closed with explanation