vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
MY MORGAGE COMPANY CARRINGTON MORTGAGE SERVICES SENT ME A LETTER ON XX/XX/2021 THAT I HAD NOT MADE MY MONTHLY PAYMENT. i HAD SENT THE PAYMENT ON XXXX XXXX 2021 I RECEIVED THE LETTER THAT STATED I WAS PAST DUE AND THAT IF DID NOT MAKE THE PAYMENT BY XX/XX/2021 I WOULD BE CHARGED A LATE FEE. THE CUSTOMER SERVICE ADVISOR STATED THAT THE STATEMENT COUPON WHICH WAS SENT OUT HAD THE OLD ADDRESS IN ARIZONA. THE LATE LETTER SHOULD NEVER BEEN SENT OUT IF THEY KNEW THAT THERE WAS A PROBLEM OF THEIR MAKING. I FEEL THAT THEY WERE JUST TRYING TO PROFIT OFF OF THEIR MISTAKE.BY COLLECTING THE LATE FEE. 

I THEN RECEIVED MY ANNUAL ESCROW DISCLOSURE PAYMENT. i WAS INFORMED THAT I HAD A ESCROW SHORTAGE OF XXXX. THE LETTER STATEED, '' IF YOU CHOSE TO PAY THE ESCROW SHORTAGE IN FULL IN A LUMP SUM PRIOR TO YOUR EFFECTIVE DATE. YOUR MONTHLY PAYMENT WILL BE REDUCED BY THE MONTHLY SHORTAGE PAYMENT AMOUNT. '' ON XX/XX/2021 I RECIEVED MY STATEMENT FROM CARRINGTON TOO MY SUPRISE THEY HAD NOT REDUCE MY PAYMENT. WHEN I CALLED THE SERVICE REP STATED THAT I HAD TO CALL AND REQUEST A NEW ESCROW ANALYSIS THAT IT WASNT DONE WHEN THE RECIEVED THE PAYMENT. I FEEL THAT THIS IS FRAUD WHERE CARRINGTON IS TRYING TO COLLECT MONEY THAT IS NOT OWED TO THEM. A SIMPLE SENTENCE THAT STATED THAT U HAD TO CALL AND REQUEST THE NEW ANALYSIS IS ALL THAT IT WOULD TAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
fcra not mine : see attachments for proof as follows ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: MONEY SOURCE, INC., THE
State: NM

Complaint narrative:
The money source mortgage company withdrew two mortgage payments out of my account consecutively causing me to be overdrafted and without money to buy food I have contacted them numerous times and I keep getting the runaround On the so-called refund of second mortgage payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have been trying to pay a debt with XXXX XXXX since XX/XX/XXXX. I switched insurances because of unfair tactics on the part of XXXX. There is still {$800.00} owed and I attempted to pay on multiple occasions but they would not take partial payments and I have experianced financial dificulty due to pandemic. XXXX said the only way to pay in instalments was to wait for the collection notice via mail and make arrangements with Collection Company in XX/XX/XXXX Then they sent it to collections and neither XXXX nor Collector on their behalf sent ANY information to me concerning debt so I have NOTbeen given the chance to pay this debt before it was reported to my credit report and ruined my great credit rating. This is unfair. I need to be able to pay this without the adverse action against my credit. I STILL have not, as of XX/XX/XXXX recieved ANY documentation regarding this item being sent to a collection company or of my rights to dispute, pay, or discuss this item before it being posted to my credit as a collection. The dispute with XXXX  was # XXXX XXXX XXXX and the only way for me to know who I could pay is the information I obtained from the collection info on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I tried refinancing an existing mortgage to lower my monthly payment with Quicken Loan. It was scheduled to close within 90 days which was XX/XX/2021. I submitted all documents on a timely basis. I received a call on XX/XX/2021 informing me that my application was denied due to a change in a new law that affects investment properties. 
As a result, my application was being denied. 
On XX/XX/2021 I received a letter by email from XXXX XXXX XXXX, Mortgage Banker that my application was denied due to failure to provide outstanding documents. My lock-in rate is lost and now I am left to start this process all over with a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I got a letter from XXXX saying that I owed them XXXX and XXXX I immediately requested validation for this as I did not know where this was coming from. 
They sent a document disclosing all of my personal medical information I never sign a form or gave them authorization to obtain any of my personal medical records Requesting immediate removal of this debt for violation of my hipaa rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: AES/PHEAA
State: FL

Complaint narrative:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
While in the hospital from XX/XX/XXXX till XX/XX/XXXX JPMorgan Chase Bank, N.A. charged my business account Fees and Overdraft Fee in the amount totaling {$300.00} Once the account was funded again ( upon my release from hospital - while in quarantine after contracting XXXX ) I was told that the account was closed and then the bank would keep the amount due and refund me the difference. 
One and one half month later the difference was received only to notice that over the period mentioned above Chase Bank kept charging Fees and Overdraft Fees in violation of the NYS executive order XXXX. 
I made several attempt to be refunded either at the branch or over the phone but got systematically denied. 
Today I tried one more time by calling customer service and speaking with Tay ( ID XXXX ) which after asking for my FULL S/S # ( never happened before ) she denied the refund one more time. Upon my insistence, I spoke with an Account Supervisor, XXXX XXXX ID XXXX XXXX which one more time said that the bank would not refund any money, and denied to be aware of any executive order or laws to waive fees during the state of emergency due to XXXX. 
I gave them ample opportunity to make it right but they categorically deny that they should comply with any laws or executive orders. 
I told them that I will follow up with a formal complaint that might impose them additional fines but the guy could not care less. 
I have been severely and negatively impacted by the XXXX global pandemic and I am asking for reliefs for my ( one person ) interior design business. 
Attached are my bank statements for the above mentioned period, circled are the fees charged totaling {$300.00} Kindly do whatever possible to recoup the much needed {$300.00} Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OK

Complaint narrative:
On XX/XX/2021 XXXX XXXX the Owner of XXXX XXXX, managing the property XXXX XXXX XXXX XXXX offered me to 'just leave now ', while being under the protection of the CDC XXXX XXXX. The offer did not have an expiration date or a specific time frame requesting an answer for the offer. On XX/XX/2021, I received an email from XXXX XXXX, XXXX giving me notice that XXXX XXXX has filed a collection against me. I have in writing, XXXX XXXX stating if we 'just leave now ', that the owner of the building would not pursue legal/credit recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XXXX XXXX I contacted Chase regarding my credit card payoff amount. I also asked them to adjust the amount to remove two late fees. The customer service representative obliged and provided the amount I would need to pay to bring the balance to {$0.00}. The woman was courteous and professional, and I believed we resolved the matter quickly. 

I logged into my account on XXXX XX/XX/2021 and noticed there was a charge for approximately {$23.00} on my account. I called customer service and spoke with the supervisor. I explained that I received the payoff amount from friends, family, and my retirement account, which is why it was important I obtained the right number for the {$0.00} balance. The supervisor explained to me the customer service rep could not have informed me what the interest charges would be, since they are calculated after the bill close date. I explained to him that I was not expecting an additional charge after the last payment, especially since I specifically asked her to advise me on what I would need to pay to bring the balance to {$0.00}. However, the supervisor informed me it was a valid charge, and he would not credit my account {$23.00}. I asked if there was a way to dispute the charge via writing, or with an escalation team above him. He stated that this was within his purview and he will not waive the charge since it is a valid charge according to policies and procedures. 

I tried several times asking for contact information for someone I can write to, he did not provide any contact information and repeated that he is the last person who will be able to help me, but the company will not waive the charge. I do not have any additional funds to cover this balance, or the {$38.00} late fee I will be charged for not paying by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021, I had a fraudulent transaction on my bank account through the XXXX XXXX in the amount of {$1800.00}. This individual, XXXX XXXX added their name into my contacts somehow. They aren't currently and never have been a contact directly on my device. I received a text XXXX XXXX on the XXXX from XXXX XXXX XXXX with XXXX saying, I added or edited XXXX XXXX as a recipient. By the time was able to get someone on the phone address the issue, the transaction had gone through. The bank issued a temporary deposit to my account until investigation was completed. They say they did not find where the transaction was not authorized and withdrew the money from my account leaving it at a negative balance on XX/XX/2021. Being that I trusted this bank to keep my funds secure and I am a victim of fraud, I would like to get my money back. I really hope it's possible that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am trying to get a credit card from my bank with a zero percent interest rate on transferred balances for the first year than a lower interest rate than I have now. 
The bank ask for the 10 day payoff balance in order to be able to send the company or companies the balance. XXXX has provided this information twice now. Chase is unwilling to provide this information telling me I have to wait until the end of my billing cycle or pay it off and than contact them for interest balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
In 2016 I was involved in an auto accident caused by a third party. The third party had insurance that covered the cost of the replacement of my car as well as my medical bills. This bill is from that accident and I was not found responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX # XXXX {$2800.00} XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with Experian credit bureau the agency verified the same accounts. We agree Experian is in violation of FCRA and my consumer rights is 1,000 per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See Stevenson, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

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 2021-04-12 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: MO

Complaint narrative:
Hi, There is a few hard inquiries on my Transunion report that I didn't authorize. 
The banks and Transunion refused to cooperate to remove the hard inquiries. 
XXXX  and XXXX  helped me with these issues and have removed all the fraudulent hard inquiries. 
I would like to remove these inquiries : XXXX XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 Thank you, 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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Dear Experian, This is not the first time we've had an incident regarding my personal credit report. Unfortunately, for months you have ignored complaints that XXXX was reporting incorrect information on my credit report. 

I am demanding verification under FCRA, and since I know you can not produce the following, I demand you remove XXXX XXXX from my credit report. 

This card was closed and never in arrears. 

Open Date Charge off Date ( Never Charged Off ) Payment History Borrower Names Balance Are all incorrect on my credit report. Therefore this item needs to be removed. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 an unauthorized atm with draw for {$900.00} was made to my account. That same day I filed a claims with the dispute department. I got a letter ( attachment a ) in response to my claim. On XX/XX/2021 I called and asked for them to re open my claim. Than I got a letter in the mail ( attachment b ). I have not been credited the amount stole from my account.

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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I had issues with mortgage since it was sold in XXXX. Filed complaint against XXXX XXXX  for not notifying me of transfer. I was finally notified of transfer XX/XX/21 by PHH. ( Mind you payment is due XX/XX/21 ). I then recieve XXXX and XXXX 's payment in same statement on XX/XX/21. Which is also marked as received 26 days late on my account. ( no late charge issued ). Have Called them multiple times for a statement just for XXXX and am told they can not generate a statement for just XXXX. Was told by PHH to just pay XXXX statement and we will send statement for XXXX. Now since then PHH Mortgage refuses to send me statement for what is owed that month. It is XX/XX/21 and received statement today due for XX/XX/21. ( After 3 repeated calls to send me a statement to pay bill. ) which has XXXX and mays due on XX/XX/21. I have had repeated calls that turn into shouting matches. I have been assured by PHH management that my bill will be straightened out and that has not happened. I think they are up to something because I have never dealt with anything like this or it is a sick game. I have a great payment history and am never late with bills. This is very aggravating and need to know what can be done about this because I get nowhere with my situation. And would like to know my options. Please get back 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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XX/XX/2018, I moved from my home in XXXX  to XXXX. I put my home on the market and did not get any offers until a short sale offer was made in XX/XX/2018. My real estate agent, attorney and I completed the forms for the short sale and sent them to Nationstar Mortgage. We did not receive any response. After numerous calls and letters requesting a decision, I filed a complaint with the CFPB. Nationstar still would not make a decision and the buyer backed out of the offer. We then received a new offer that was slightly higher but still a short sale. Nationstar then sold the mortgage to XXXX XXXX XXXX. XXXX then required us to complete all new paperwork, which we did. After two years of asking for the short sale to be processed, XXXX then decided to not accept the short sale. The foreclosure sale has been continually adjourned for future dates and each month XXXX reports delinquent payments to my credit report. Today I received a civil action notice from Nationstar Mortgage seeking over {$50000.00}. How does a mortgage company that sold my mortgage over two years ago, file a civil action against me? I have been trying to get this property sold for over three years now and each time it has been held up by a mortgage company refusing to process or even answer the paperwork we filed with them. I have reached out on numerous occasions to the CFPB and have not had any resolution. How am I responsible for additional monies due when the reason for these additional costs is the mortgage companies ' refusal to process the sale offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Leap Credit, LLC
State: WI

Complaint narrative:
I began getting payment reminders for a loan for which I never applied, on XX/XX/XXXX. According to Leap Credit I have a loan with them dated XX/XX/XXXX, for {$600.00} at an interest rate of XXXX percent, with total finance charges of {$1500.00}, for total payments amounting to {$2100.00}. I suspect this came about around an identity theft we suffered in fall of XXXX.

Company response to consumer: Closed with explanation