vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
2ND LIEN MORTGAGE WAS DISCHARGED AS AN UNSECURED CREDITOR IN XXXX BANKRUPTCY IN PENNSYLVANIA. MY HOMES CURRENT VALUE IS JUST ENOUGH TO COVER MY 1ST LIEN MORTGAGE. I DONT WANT TO LOSE MY HOME SO I CONTINUED MAKING THE PAYMENTS TO DITECH ON THE 2ND LIEN MORTGAGE SINCE THE MORTGAGE WAS DISCHARGED BUT NOT THE LIEN. I HAD ASKED THEM TO PLEASE LOWER MY CURRENT RATE ( 14.50 % ) SO MY PAYMENT WOULD NOT BE SO LARGE. THEY SAID THEY COULD NOT MODIFY MY MORTGAGE LOAN BECAUSE THE DEBT WAS DISCHARGED. SINCE XXXX AFTER THE MORTGAGE LOAN WAS DISCHARGED I HAVE PAID {$29000.00} TO INTEREST AND {$3700.00} TO PRINCIPAL. THE PRINCIPAL BALANCE IS STILL {$29000.00}. KNOWING THE DEBT WAS DISCHARGED I FEEL THEY COULD HAVE ASSISTED ME BY LOWERING THE INTEREST RATE OR WAIVING ALL LOAN INTEREST. IF I DO N'T CONTINUE PAYING THE DEBT THEY CAN START THE FORCLOSURE PROCESS EVEN THOUGH THERE IS A 1ST LIEN HOLDER. <P/>I WROTE ANOTHER LETTER ON XX/XX/XXXX ASKING FOR A SETTLEMENT OFFER TO REMOVE THE LIEN. STILL NO ANSWER. CAN YOU PLEASE HELP ME WITH THIS SITUATION?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: U.S. BANCORP
State: GA

Complaint narrative:
I had a secure credit card with U.S. Bank and there was fraudulent activity on my card. Spoke to the collections agency, told them it was fraud, they sent that over to U.S. Bank stated they denied my claim because my bank account was used to fund the account. I have disputed this with the credit bureaus and they are still keeping this on my credit. I asked for proof of statements, none has been provided. This is very detrimental to my credit. I am in the process of trying to buy a house and this has caused me to be denied for a loan. I want U.S. Bank to remove this account from my credit report. I am still getting collection calls from a collection company.
they responded on BBB stating I funded the account, Yes the account was mines but the charges after XXXX were not mines.I also noticed they sent me billing statements, each payment that was made was returned due to non funds, when was my account funded multiple times before U.S. Bank closed my account. I never received any calls about these funds not going through. U.S. Bank promotes there high quality to prevent fraud, but this was happening on my account they were letting charges still happen for months. Multiple payments made and was returned and no action on there parts. Also, they are still reporting on my credit report that my account is still open. reporting FTP ( failed to pay ) every month. Also, I received a letter from there fraud dept stating I owe {$810.00} on my next billing statement. How do I have a billing statement is my account is supposed to be in collections/charge off. Also, on my report the date it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I turned off the recurring payment options on my credit card account with MasterCard/Synchrony Bank using their website. I did this because I was closing that checking account and moving my money to a local bank. Evidently the recurring payments did not turn off. I did not know this. I continued making my payments on time using my new checking account. Their website will not allow you to delete a checking account, only add new account numbers. I received an email in XX/XX/XXXX telling me that I was taken off the recurring payment system because my payment had been returned. I was a little confused, since my payments had posted to my checking account. When I called the customer service desk to inform them that we were leaving the country on vacation, the person on the line told me of no problems with my account. The next day they closed my account, even though all payments had been made and the account was not delinquent. I feel my account has been closed for the wrong reasons and because their website is unreliable. Even though I called on XX/XX/XXXX to question why my account was closed, they informed me that nothing could be done. I asked them to make sure that the recurring payment option was turned off on the XX/XX/XXXXToday, XX/XX/XXXX I received an email informing me that my payment had been rejected. The payment was made on XX/XX/XXXX  and accepted by  Walmart/Synchrony Bank. So apparently their system continues to look for the auto pay from old account. I suffered a hardship in my travels overseas, because their online system did not do what was asked of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase 's poor service and actions have led to credit score being below XXXX. Chase long drawn out process affected getting loan refinancing and loan modification causing great hardship. Chase also had me pay off and close XXXX XXXX to apply for loan refinancing which also negatively affected my credit. I had a cosigner that is a XXXX XXXX and had more income {$75000.00} than I owed on my loan. Chase never can be reached calls go to voicemail!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX/XXXX/2017 - called Navient to request forbearance, due to the fact that I do not have money to pay and I am past due by 118 days. They stated that I would have to pay {$100.00} ( {$50.00} for each loan ) to put my loans in forbearance, which I can not afford, because I do not have the income to do so at the moment. I was questioned about how I was paying other bills, and asked if I had someone else I could borrow from to place the loans in forbearance. I explained that I do not have anyone I can borrow from. Navient told me there was nothing they could do to help me until I had money to place my loans in forbearance. I also asked if I would have to pay an additional fee to keep my monthly loans in forbearance. Navient said yes, I would have to pay another {$50.00} per loan to keep in forbearance, at the end of each month. I told Navient I would have to call back, because I do not have the funds at this time. The support agent said I could schedule a payment for up to two weeks in advance. I explained that I would still not be able to make any payments in two weeks. I will not be able to make any payments for at least 3 months with my current income status. Navient support agent said she would note it in my account, but the collection calls and credit reporting would continue until I was able to make the minimum payment of {$50.00} per loan to place the loans in forbearance. I asked if there was any way to place my payments on an income driven repayment plan, and the Naviant service agent said no and that I was on the lowest payment plan of {$140.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have been reaching out to IQ Data since XXXX 2016. The right of subrogation does not exist for volunteers or a stranger to the transaction. 73 AmJur 2nd, Section 90. 

I have requested validation from the company and was supplied with inaccurate and incomplete information. 

They have never been able to furnish an accurate, valid, original copy of the original contract that was signed with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For over four years plus, Chase Home Finance has been inundating me with XXXX mailers that offer attractive, no-cost refinancing terms for my first mortgage. In XXXX 2013, I applied. Our family 's credit is perfect. It took months and tons of documentation but Chase would n't refinance based on its inability or unwillingness to verify my fully-disclosed second mortgage with another institution. I sent billing statements repeatedly and some closing documents to the loan processor. Still, no go. I abandoned the effort. <P/>Why is Chase allowed to mail me repeated offerings when it has no intention of closing a refinancing with me? Two, rates have climbed so the attractiveness of the offering has diminished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Online Collections is reporting that I have a debt with their collection agency for {$2600.00} on my credit report. However, I called them and paid off this debt on XX/XX/XXXX. I have disputed this account with the credit bureaus twice since I paid it, however Online Collections continues to tell the credit bureaus that the debt is still unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This company is trying to collect {$16000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or everhad ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with  my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
National Credit Systems claims that I owe the amount of {$3000.00} on or about XXXX XXXX, 2011. <P/>I would like to be provided validation or a contract from this company for the said debt. I do not have a contract with this company, also this company does not have an active license to collect debt in the state of Indiana.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. XXXX XXXX is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with Speedy Cash have received the bank statement months ago and refuse to make knowledge of such. XXXX XXXX provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: OH

Complaint narrative:
0n XXXX-XXXX-2017 i Purchased a 123 Rewards Gold Debit Mastercard ... Placed A XXXX Dollar Bill In Cash On The Card at XXXX XXXX, OH Where It Was Purchased ...
<P/>
Later That Day I Called The Number On The Sticker That Was On The Front Of The Card And Activated It ... Found Out During One Of The Phone Calls, That The Accounts The Card Originates From Is US Bank ....
<P/>
I Tried To Use The Card Twice For Transportation Expenses and It Kept Coming Back Declined ... When You Call And Check The Balance On It It Says The Entire XXXX Dollars Is Showing Still On The Card ... ....
<P/>
After A Few Phone Calls ... The Pretty Much Tell Me That The Card Cant Be Used To Pay Bills Or Be Used At An Atm ... .. They Force You To Shop Online With It .... A Total Fraudulent Scam Card Through US Bank .... They Need To Be Reprimanded For Stealing Peoples Money And Making It Nearly Impossible To Aquire The Funds Placed on The Card ... .. US Bank Needs To Be Aware That It Is A Scam To Issue A Debit Mastercard That Wont Work At Any Atm A Total Fraudulent Scam From US Bank ...

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 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid for credit card my minimum payment in time. XXXX XXXX, 2017 I received a letter from Capital One Bank, they are closing this account, because of usage and violations of the Capital One Customer Agreement.
I called to them and I spoke with representative, but he/she put me chine-line to talk numbers of unresponsable workers on phone, ask me verifications nothing more or less. I ask to explain what exactly I did wrong to violated they our agreement. Can you sent me to study.
I sent them a promissory note, and XXXX ( XXXX XXXX XXXX ) to discharge my debt.
This remedy government provide for us to use for our protection and it is absolutely lawful.
I processed a payment from Straw man account on my name XXXX XXXX XXXX, with my SSN XXXX. This payment was reversed. The Bank don, t have the right to restrict my right to use any account on under.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I wrote to Central Financial Control letting them know that the reporting showing on my credit report is not accurate. I had to write again on XXXX XXXX asking them to validate the debt and provide me evidence that this debt belongs to me. They have failed to respond to either of my requests. I also wrote to the Credit Bureaus who were of no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with   XXXX   XXXX   also the car was given back to the people without a hassle and all of a sudden these people Deville Mgmt for  XXXX  which they said it was open on   XXXX   XXXX  , 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely  XXXX  So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me 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 2017-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I logged onto the Capital One website on XX/XX/XXXX to make a payment because I knew a payment was due, but I had lost my statement. I knew it was due the XXXX or XXXX. Once on the website, I set-up the payment for XX/XX/XXXX as it was XXXX XXXX on XX/XX/XXXX. I received an email confirming that the payment was set-up for XX/XX/XXXX. The next email I received was on XX/XX/XXXX to inform me that the payment processed on XX/XX/XXXX. However, today I received an email from Capital One that stated the following : " Your payment is past due -- please make at least your minimum payment today.
<P/>
About your account ending in XXXX XXXX, It looks like you may still owe the minimum payment due on your account as of XXXX XXXX. ET on XX/XX/XXXX. Your card transactions may be declined if your account is n't current.
<P/>
If you 've made a payment that meets your minimum amount due, you 're all set. Otherwise, you can make a payment online or pay directly from your Capital One Mobile app.
<P/>
Thanks for being a Capital One customer. '' This email came to me after I received an email that the payment had processed and the transaction section on the website showed that the payment processed on XX/XX/XXXX. In addition, a late fee was added after I scheduled a payment as there was no late fee on my statement when I logged onto the website & paid the bill on XX/XX/XXXX at XXXX XXXX. I would have simply added it to the the amount due. This evening when I logged onto the chat service, I chatted with two individuals XXXX & XXXX, in that order. Neither of these representatives would answer a single question. They attempted to transfer me to other departments to avoid answering my questions, XXXX informed me that my account had been restricted. I would not be able to use the card in order for Capital One to investigate the matter. It was presented in a way that made me feel the company needed to buy so time to figure how to deal with me as I had informed them I would be filing a complaint. I have all the emails related to this matter saved, included in those emails the dates and times, should they be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I pay a person have service online and trues to get back to help get a reply anything never answered keeps ignoring me furthermore more told me to deposit  XXXX  dollar send him and kept my money ik its not nuch but seriously its better to keep this people away from keep doing it at paypal got scammed

Company response to consumer: Closed with explanation