vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I do n't own a XXXX phone at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
Bayview Loan Servicing forced lender placed insurance in the amount of XXXX for a property that I paid {$80000.00} or thereabouts for Annual premium is {$15000.00} I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
account was reopen on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
There has been an ongoing final bill discrepancy with XXXX and a collection bureau has placed this debt on my credit report. I do not owe because I was billed incorrectly. I had renewed my contract via telephone but XXXX continued to charge me a variable rate resulting in extremely high bills. I made numerous phone calls to XXXX without any resolution

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Financial Services keep running my my credit report ( score ) without my authorization and they have done it and multiple occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQuifax refuses to remove or delete these items, from my credit report which have not been validated by creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My home flooded on XX/XX/2016. I got a check from my insurance company in XXXX. It was mailed to Bank of America in XXXX. They are showing it as XX/XX/XXXX ; however, my contractor has a receipt dated earlier than that. It was lost somewhere in BOA processing prior to XX/XX/XXXX. I did receive about XXXX from them but have n't received anything else. I need my first draw that was clearly outlined in all the documentation they required. My contractor will not start without a draw up front to order materials. My family has lived in a camper for 7 months. I have XXXX children that need their home repaired. Each time I call BOA, the loss claims department tells me it is being reviewed, processed or examined. Today, they told me it is an FHA loan and is being reviewed by the FHA. We are current on our loan. I am not sure why it requires such an examination for me to get my insurance proceeds. I need this process to be expedited, so we have a place to live again.

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I disputed the account balance for XXXX on my credit report with Equifax ; however, Equifax claimed that the reported balance was correct. However, I obtained documentation directly from XXXX that has my balance reflected as {$200000.00}. 

Moreover, my Equifax credit report is not illustrating that my all my payments for XXXX have been timely for XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Finally, I previously submitted information to Equifax illustrating that the payment for XX/XX/XXXX was not 30 days late which you will find attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been trying to get the credit reporting agencies to update my records but they always say the information is accurate regarding accounts handled by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX Credit Card is harassing me with collect agency me while I have called them 8 times since XX/XX/2017 to solve my problem because my full payment was n't posted on their end. XXXX store card has transition from XXXX to Capital One bank so they misplace my XXXX statement of XXXX and change. I ca n't retrieve because I had paperless statement with XXXX. However, I knew I had a payment of XXXX and change so I paid XXXX cash at the store and I have the receipt. XX/XX/2017, I have receipt a statement from Capital One that XXXX Credit balance XXXX including late fee and interest charges. I really got frustrated and gave a call to XXXX spoken to XXXX on the XXXX and told me he will put a claim investigation and see if the store can help me with it too. So I went to the store XXXX in XXXX XXXX that is where I made the payment. The manager XXXX on XX/XX/2017 was kind enough to call cs at Capital One credit service of XXXX and have told them about my situation that I have the receipt of the payment. Spoken to Customer Service of XXXX name XXXX she said it may take up 30 days and investigate it I said sure. The store send them the information. I even send out with the previous statement that was due on XX/XX/2017 to Capital One Retail Services, XXXX. XXXX XXXX. 30 days has past I keep calling XXXX all they telling me about it is collect dept etc. Also, in their system they have received the documents but it has gotten lost. It gets me more frustrated cause nobody can help. Seems like they do not know what they are doing, but blame others for there mistake. I spoken to XXXX she gave me a fax number XXXX to fax over to the investigation. I kept on faxing the papers but it constantly busy. I called on the XX/XX/2017 I spoken XXXX she made another claim and gave me another fax XXXX but it is constantly busy. I am tired of this and two I had a credit score of XXXX now it XXXX I am even more frustrated I am done with them I want to get this cleared out and my score back to normal. Plus I went to Capital One Back directly too and they said they do not deal with Retail Stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has not followed the guidelines of the federal law to verify if the said named items are accurate. Equifax has not shown or provided me proof the the information is valid on my report. Equifax has shown this account as late. this account has no lates on for this account. I have sent 3 certified return receipt letters and Equifax did not provide me proof of verification. Under Federal law 609. the items must be corrected in 30 days if the credit bureau can not prove proof of verification. please correct lates XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Yes, I have you disputed the issues with the credit reporting company Equifax on : XX/XX/2017. As of today 's date XX/XX/2017, I have received no response from Equifax. They have exceeded the 30 day time limit allowed by law ( 32 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting my balance incorrectly on my Equifax Credit Report. This error lowers my credit score and causes a denial of a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA bank is not allowing consumers to leverage the online payment tool in order to accumulate additional interest payments. I have been unsuccessful in submitting online payments on our prior to my due date. When this had happened I called to attempt to pay online and was told the check by phone fee could not be waived. I expressed I was unable to make the payment online but was still declined the fee waiver. Once the payment was delinquent a collector called indicating she would waive the fee and they wo n't do it when you are current. I told the agent it made no sense and that I would make the payment online. The agent stated a lot of people ca n't pay online. I recently tried to make a payment on my due date and 5 days after to no avail. However now that the payment is almost two weeks late I can play using the BBVA online payment option. I feel this is done purposely for those of us with simple interest loans. Please help me and others that are having this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In 1998 XXXX XXXX turned over an unpaid bill for {$840.00}. To Pinnacle Collection Agency. ( This debt is not mine. I have never had services with XXXX XXXX. ) I have written to them previously and informed them that this is not my debt. I asked them to send me proof that this debt was indeed mine. They sent me copies of phone bills. ( Not a contract signed by me ) They have assigned the same debt to another Collection agency. I need help getting this information removed from my credit profile and stopping these folks to continue to contact me for a debt that is not mine. I thank you in advance for your assistance in this matter. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I recieved a call on XX/XX/XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XX/XX/XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We received a notice from Specialized Loan Servicing in XX/XX/XXXX saying our HELOC was approved and we mailed in a signed form agreeing to the new HELOC terms. SLS sent another notice in XX/XX/XXXX, at a higher interest rate, which we signed and mailed in. SLS said the original agreement was not received. The second HELOC SLS said they received it two days late so they were unable to agree to the terms and the loan was due. We subsequently filed for a loan modification under the HARP program. Starting in XX/XX/XXXX we sent in the required documentation only to be told that additional documents were needed. We sent in the required documents only to be told that some were not received. We contacted our account manager and he suggested resending everything. We then faxed, emailed, and mailed all of the same documentation to their address. We made multiple calls to find the status of the loan and recently SLS said all documents were received and it was in review. 
During this same time period we were having payments taken out with automatic monthly withdrawals, paying the interest payment plus a additional {$1000.00}. In XX/XX/XXXX SLS said they were stopping automatic payments per our request. We did not request a stop to the automatic payments. To continue making payments to SLS we used their website to make a payment to our account on XX/XX/XXXX in the amount of {$1100.00} which was accepted by XXXX. The following month we used the payment coupon form provided by SLS which was mailed monthly to us to send a payment to SLS. The payment was rejected and returned saying the loan had reached maturity date and they are unable to cash the check. We were attempting to keep the loan current while the loan modification was being made. Subsequently, SLS has been sending reports to credit agencies that we were delinquent in payments even though we made good faith payments to keep the loan current through the loan modification process. Concurrent with this process we were working with our bank to get a personal loan for {$100000.00} to pay off the loan to SLS in case the loan modification did not go through. Due to SLS making negative reports to the credit agencies the bank did not go through with the loan. We also made a payment to SLS on XX/XX/XXXX for the amount of {$2900.00} to keep the loan current, to date they have not cashed the check or sent any written correspondence.

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 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I initially contacted the servicer of my primary home, Nationstar, in XX/XX/XXXX for a loan modification. I went through the entire process, was verbally told by the loss mitigation department to not include my husband 's income since he was " not on the loan ''. I had no idea this was incorrect information so I did as instructed. Months went on with lots of back and forth with requested documents, etc. Ultimately Nationstar denied this modification due to lower than necessary debt to income ratio. Basically, because I had not included my husband 's income information even though the bank statements I provided showed income of nearly $ 23K per month, I was denied. THEN, Nationstar sent the denial letter to the wrong address and by the time I found out what had happened, I had lost any right to an appeal. I called Nationstar only to be given wrong information AGAIN! I was told to send in a contributor form which they emailed to me ... ..only this form. THAT was incorrect! Apparently I had to resubmit an entire new workout packet including this contributor form ... .so I keep getting bad information which only further delays the process for month after month after month. On top of that, the interest rates have gone up since then so I was denied by virtue of Nationstar 's error the right to appeal their decision in time AND lost out on the lower interest rate. Per the MHA today, I met the eligibility requirements back in XX/XX/XXXX and should have been approved under the HAMP Tier 2 program. Since that time I have had to resubmit paperwork 3 times, been denied a 2nd time just recently because they claim my home is a " 2nd home/Vacation Rental '' which IT IS NOT! Our home is a duplex, one side is rented out during the ski season to skiers and vacationers, I 've explained this with a letter of explanation, provided luxury bills, explained our tax returns, all at their request and they STILL maintain I do not live here full time. I do n't know what else I can do as I feel like all I do is get the run-around, delays that end up costing ME, the homeowner, for no reason other than clerical errors. I know Nationstar had the correct address back in XX/XX/XXXX because I received statements and correspondence from them to my address between XX/XX/XXXX and XX/XX/XXXX. When the denial letter was sent out XX/XX/XXXX, it was sent somewhere back in Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This is a second complaint filed against Ditech Mortgage over the past 12 months for the same matter that is as yet unresolved. Despite repeated attempts to get a payoff amount from Ditech - and now that the loan is paid in full a reconveyance on the property - Ditech is unresponsive to all requests for loan payment records and the trust deed remains on the property improperly. Intervention to force Ditech to cooperate and comply with the terms of the loan agreement is necessary. A full release and reconveyance of the property is also required at this time now that the loan is paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been with Chase bank for over ten years, and have had mobile alerts set up for a few years, so every time my balance goes below {$400.00} in my checking account I am alerted and can transfer funds from my savings to my checking. Over the last few months, I have not received any alerts, in XX/XX/XXXX I was charged XXXX insufficient funds fees of {$34.00} each. I called chase and they reversed the funds. I explained I did n't receive the text alerts, but I maybe missed them for some odd reason. I did n't investigate further as they refunded the fees. Yesterday I went to make a rather large payment and decided I should look at my account before doing so, to ensure I had the funds. I found that my account balance was overdrawn by over {$1000.00}. I had not received a single text alert to my phone. I immediately transferred money from my savings to my checking and brought my account balance up. Then I called the customer service at Chase to get these fees refunded, as clearly their text messaging system was n't working. When I called they were only able to refund {$100.00} of the {$640.00} they had charged me over the past few weeks, and when I asked them to tell me what number they had for text messages they gave me the correct cell phone number. I now have to go to a bank and speak with the manager to see they are willing to refund the remaining money, as the customer service on the phone said they have refunded all they are allowed to refund. After I hung up with the customer service manager I went onto my account to check my alerts, and mobile alters were no longer set up and something called XXXX was put in place. I had never set this up. I restarted the mobile alerts so this hopefully wo n't happen again, however, I am sure I am not the only person this has happened to and I might not have caught this had I not checked my checking account for this specific larger transaction that I was charging to the account. I expect if Chase has done this to me they have done this to many of their customers, resulting in more profits for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of predatory lending by Chase Bank. I was preyed upon by a Chase loan officer following an accident, XXXX and XXXX. He talked me into consolidating my existing mortgage, line of credit and other debts into a ridiculously unaffordable and impractical 10-year interest-only mortgage that would then become a 30-year variable rate mortgage. In effect, I would have ended up paying off my house three times. 
I realized this within a month and contacted Chase, asking to convert the loan to a 30-year fixed loan, eliminating the 10 years interest-only portion, which would have saved me many many thousands of dollars. They refused to work with me in any way and were completely unmoved by my medical condition and inability to pay off this loan. I know for a fact that the loan officer, XXXX XXXX, falsified documents to secure approval of this " no-doc '' loan. 
Ultimately the sheriff showed up and gave me two weeks to vacate. There were no legal papers served, no notifications or warnings of any kind. 
New York is a judicial foreclosure state, meaning that any foreclosure must be approved by a judge. There were no hearings, no attorneys, no court appearances, and therefore New York State law was not followed. 
In effect, Chase stole my home from me without due process. 
I have contacted them numerous times, and quite mysteriously, all of the documents supporting my claim are " unavailable. '' XXXX XXXX is no longer employed by Chase, and they are unwilling to discuss a settlement of any kind. 
I believe I am legally entitled to some form of restitution for their unlawful actions. 
I have many documents to support my claim.

Company response to consumer: Closed with explanation